Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear CFPB Representative, I am writing to file a formal complaint regarding multiple inaccurate and harmful entries being reported on my credit profile. These errors are directly damaging my financial standing, credibility, and access to necessary credit opportunities. Despite my efforts to dispute these accounts directly with the credit bureaus and creditors, the inaccurate information remains, causing me continued harm. Below, I am listing each account along with the issues, applicable laws, and my story behind why these entries must be corrected or removed. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Issue : This address is not and has never been mine. Law : FCRA 607 requires reasonable procedures to ensure maximum possible accuracy. Story : By connecting me to a location I never lived at, the credit bureaus create a false identity trail. This incorrect link makes it appear that I may be connected to debts or accounts from this address. Lenders reviewing my report question my credibility, thinking I may be unstable in residency, which leads to denial of rental applications and higher loan scrutiny. This false association has caused me humiliation and stress when I have to explain repeatedly that I never lived there. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Issue : False reporting of an address not connected to me. Law : FCRA 607 ( b ) requires reasonable care to assure accuracy. Story : This incorrect listing makes it seem like I lived in multiple places at once, which is impossible. When lenders compare employment and address histories, this false data leads to suspicion and unnecessary document requests, delaying approvals and sometimes resulting in denials. 
XXXX XXXX High Balance : {$220000.00} Date Opened : XX/XX/XXXX Late Payment Issue : Late payments are being inaccurately reported. Law : FCRA 611 requires deletion of unverifiable data ; FDCPA 807 prohibits false reporting. Story : This is a large loan, and any false late payment severely impacts my creditworthiness. Despite my requests for validation, no documentation was provided proving the accuracy of the late payment claims. Because of this, I have been denied refinancing opportunities and forced into higher interest rates, costing me thousands of dollars and creating undue financial hardship. 
XXXX XXXXXXXX High Balance : {$760.00} Date Opened : XX/XX/XXXX Charge Off Issue : Charge off status is incorrect. Law : FDCPA 809 requires proper validation before reporting debt. Story : The account was reported as a charge off without providing proof that the balance was accurate or that the debt was collectible. This false reporting gives the impression of irresponsibility on my part when, in reality, the creditor failed to validate the account. It has caused me to be denied even basic secured card applications, forcing me into financial exclusion. 
XXXX XXXX High Balance : {$820.00} Date Opened : XX/XX/XXXX Charge Off Issue : Wrongly reported as charge off. Law : FCRA 611 requires reinvestigation and deletion if unverifiable. Story : This account was marked as charge off without a proper investigation, leading lenders to believe I abandoned responsibility. This false impression lowers my score and damages my character as a consumer. 
XXXX XXXX XXXX High Balance : {$720.00} Date Opened : XX/XX/XXXX Charge Off Issue : Wrongfully listed as charge off. Law : FDCPA 807 prohibits misrepresentation of debt. Story : XXXX XXXX failed to validate this alleged charge off. As a result, my reputation is damaged, and I face constant denials for credit cards and even higher insurance premiums, which is unfair and unlawful. 
XXXX XXXX XXXX High Balance : {$800.00} Date Opened : XX/XX/XXXX Charge Off Issue : Inaccurately reported charge off. Law : FCRA 607 requires accuracy. Story : This false entry portrays me as financially irresponsible. In reality, no valid proof has been presented. Yet, the charge off stays on my file, dragging my score down by over XXXX points. 
XXXX XXXX XXXX High Balance : {$830.00} Date Opened : XX/XX/XXXX Charge Off Issue : Incorrectly reported as charge off. Law : FDCPA 809 ( b ) requires validation. Story : This account has been listed negatively despite my disputes. It has caused me to be denied rental applications and has made employers who run background checks see me as financially unreliable. 
XXXX XXXX High Balance : {$700.00} Date Opened : XX/XX/XXXX Charge Off Issue : Charge off status not verified. Law : FCRA 611 requires deletion if unverifiable. Story : XXXX  has not proven this debt to be valid, yet continues to report me negatively. This prevents me from accessing affordable credit and forces me into predatory alternatives, creating financial stress. 
XXXX XXXX High Balance : {$500.00} Date Opened : XX/XX/XXXX Late Payment Issue : False late payment reporting. Law : FCRA 623 requires furnishers to report accurately. Story : A small balance has been exaggerated by false late payment status, unfairly lowering my score and portraying me as careless with obligations I never defaulted on. 
XXXX XXXX High Balance : {$710.00} Date Opened : XX/XX/XXXX Charge Off Issue : Account reported as charge off inaccurately. Law : FDCPA 807 prohibits false credit reporting. Story : This entry has destroyed my ability to refinance and consolidate debt. Despite disputes, no supporting documentation was provided, yet it remains on file, which is unlawful and unfair. 
DPT EDXXXX XXXX High Balance : {$2900.00} Date Opened : XX/XX/XXXX Late Payment Issue : Late payment reporting is inaccurate and unverifiable Law : FCRA 611 requires deletion of unverifiable items, and FCRA 623 requires furnishers to report truthfully Story : I have disputed this account multiple times, yet the reported late payments remain without validation. These late payments have unfairly damaged my credit score, blocked me from applying for student loan consolidation, and raised my repayment costs significantly. 
DPT EDXXXX XXXX High Balance : {$5000.00} Date Opened : XX/XX/XXXX Late Payment Issue : Reported late payments are inaccurate Law : FCRA 607 and 611 require accuracy and correction upon dispute Story : This account shows false late payments which have been used against me by lenders when applying for financial aid. This error prevents me from accessing fair repayment programs and portrays me as financially irresponsible when in reality no proper validation has been provided. 
XXXX XXXX High Balance : {$2500.00} Date Opened : XX/XX/XXXX Late Payment Issue : Inaccurate late payment entries Law : FCRA 623 requires creditors to furnish accurate data Story : This false negative reporting reduces my credit score and caused me to be denied approval for small business financing. I attempted to resolve directly, but no supporting evidence was provided, violating my rights. 
XXXX XXXX High Balance : {$310.00} Date Opened : XX/XX/XXXX Charge Off Issue : Improperly marked as charge off without verification Law : FDCPA 809 requires validation of debt before reporting, and FCRA 611 requires deletion of unverifiable accounts Story : Despite multiple disputes, this account was never validated with proper documentation. Yet it is reported as a charge off, misleading lenders into thinking I abandoned a debt I do not owe. This has caused me humiliation and denial of basic credit cards. 
XXXXXXXX XXXX XXXXXXXX High Balance : {$17000.00} Date Opened : XX/XX/XXXX Charge Off Issue : Wrongful charge off status Law : FCRA 607 requires maximum possible accuracy ; FDCPA 807 prohibits false representation Story : This charge off severely impacts my creditworthiness for auto loans and housing applications. I requested validation and correction, but no verifiable documents were provided. This entry falsely paints me as financially reckless. 
XXXX XXXX XXXX XXXXXXXX High Balance : {$54000.00} Date Opened : XX/XX/XXXX Charge Off Issue : Account reported inaccurately as charge off Law : FCRA 611 mandates reinvestigation and correction of false information Story : The large balance makes this false entry especially harmful. It suggests I defaulted on a major auto loan, which is untrue and unverifiable. This error has prevented me from securing transportation financing and unfairly destroyed my reputation with lenders. 
XXXX XXXX High Balance : {$2500.00} Date Opened : XX/XX/XXXX Late Payment Issue : False late payment reporting Law : FCRA 623 requires creditors to update and report accurately Story : This negative mark has been harming me in multiple credit applications. It was not properly validated and remains on my report, creating a false picture of my payment history. 
XXXX XXXX High Balance : {$1200.00} Date Opened : XX/XX/XXXX Collection Issue : Collection entry is inaccurate and unverifiable Law : FDCPA 809 requires debt collectors to provide written validation, FCRA 611 requires deletion of unverifiable debts Story : This debt was reported without providing any proper validation. I have no record of receiving documentation from XXXX to prove the accuracy or ownership of this account. Despite disputing, the collection remains, unfairly lowering my score and creating the impression that I avoid paying legitimate debts when this debt has not been validated. 
XXXXXXXX XXXX XXXXXXXX High Balance : {$570.00} Date Opened : XX/XX/XXXX Collection Issue : Improper collection reporting Law : FDCPA 807 prohibits misrepresentation, FDCPA 809 ( b ) requires debt validation Story : XXXX has reported this collection account without supplying verification. I requested proof but was ignored. This misleading reporting makes me look irresponsible and has already caused denials for credit card applications. 
XXXXXXXX XXXX XXXXXXXX High Balance : {$1200.00} Date Opened : XX/XX/XXXX Collection Issue : False collection account reporting Law : FDCPA 807 and FCRA 607 require accuracy in reporting Story : This item was never properly validated but still remains as a collection. XXXX has a record of placing unverifiable debts on consumer reports, and this is another example. It is harming my financial stability and unfairly portraying me as delinquent. 
XXXX XXXX XXXX High Balance : {$530.00} Date Opened : XX/XX/XXXX Collection Issue : Collection account is inaccurate and misleading Law : FDCPA 807 prohibits false reporting, FCRA 611 requires correction or deletion upon dispute Story : XXXX XXXX  has reported this debt without providing validation. The balance shown is inconsistent and no proof of ownership was ever given. Despite this, the item stays on my report, lowering my score and blocking me from fair lending opportunities. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : Unauthorized or unexplained inquiry Law : FCRA 604 ( a ) ( 3 ) requires inquiries to be tied to legitimate applications Story : This inquiry was made without my permission. Multiple inquiries from the same source on the same day suggest abuse or improper use of my personal information, lowering my score and creating suspicion with other lenders. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : Hard inquiry not authorized Law : FCRA 604 requires inquiries to have a permissible purpose Story : I did not authorize XXXX XXXX to pull my report. This false inquiry lowers my credit rating and suggests I applied for credit when I did not. 
XXXX XX/XX/XXXX Inquiry Issue : Unauthorized inquiry Law : FCRA 604 requires a permissible purpose Story : XXXX made an inquiry without my authorization. This not only reduced my score but also created the false appearance that I am seeking credit I did not request, harming my reputation with other lenders.

Overall Harm and Consumer Impact The above inaccurate accounts represent a pattern of negligence and non-compliance by furnishers and credit bureaus. My rights under FCRA and FDCPA have been violated repeatedly. These errors have made it extremely difficult for me to obtain fair credit, rent housing, or even pursue financial stability. As a consumer, I should not be penalized by inaccurate or duplicate reporting that inflates my debt profile.

Requested Resolution : 1. Immediate investigation into the accuracy of these accounts.

2. Permanent deletion of duplicate or unverifiable accounts.

3. Written confirmation of the actions taken to correct my credit profile.

I respectfully request CFPBs urgent intervention to ensure compliance with federal law and to protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief