Consumer complaint received 2025-08-08 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 Consumer Financial Protection Bureau, I am writing to file a formal complaint against various furnishers and credit reporting agencies for violating the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and my rights as a consumer. I have attempted to resolve these issues directly, but the inaccuracies continue to appear on my credit reports, severely damaging my credit profile, financial opportunities, and personal well-being. 
XXXX XXXX XXXX, TX XXXX Issue : Wrong Address Law : Under Section 609 ( a ) and Section 611 of the FCRA, I have the right to accurate and verifiable information.

Story : This address does not belong to me and has never been my place of residence. Reporting a wrong address can create serious confusion, misrepresentation of my identity, and potential fraud concerns. The inclusion of irrelevant personal information violates my right to privacy and introduces the risk of mixed credit files, as highlighted by CFPB guidance. This error can impact lending and regulatory investigations and must be rectified immediately. 

XXXX XXXX XXXX, TX XXXX Issue : Wrong Address Law : Accuracy in consumer information is mandated by FCRA Section 607 ( b ).

Story : This location is not associated with me. Incorrect addresses can trigger automatic system mismatches, result in dunning notices, and damage my ability to apply for credit or resolve disputes. Persistently associating me with addresses I have no connection to exposes me to credit denials and investigations that waste regulatory and creditor resources. 

XXXX XXXX XXXXXXXX XXXX XXXX  High Balance : {$960.00} Date Opened : XX/XX/XXXX Issue : Charge Off Law : Under FCRA Section 611, I have a right to dispute and correct inaccuracies ; Section 623 requires furnishers to report only accurate data.

Story : This account was reported as charged off, but I never received adequate notice of delinquency nor documentation supporting the balance claimed. Charge-offs have a significant negative effect on my credit profile and such reporting without sufficient evidence violates my rights to verify or refute claims. 

XXXX XXXXXXXX XXXX XXXX High Balance : {$420.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA and FDCPA require notifications and substantiated documentation for negative marks.

Story : The delinquency attached to this account is inaccurate and lacks documentation, presenting a misleading financial record. Unsubstantiated derogatory remarks directly affect my ability to secure housing or credit and may constitute an unfair credit practice. 

XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$1600.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : CFPB regulations require rigorous proof for negative financial reporting. 
Story : I was not informed about any payment irregularity. Reporting supposed late payments without sufficient due process and proof meets the threshold of legal noncompliance and causes emotional and financial distress. 

XXXX  XXXXXXXX XXXX XXXX  High Balance : {$660.00} Date Opened : XX/XX/XXXX Issue : Charge Off Law : Accurate charge-off reporting is mandated by the FCRA and CFPB guidelines .

Story : This was misreported, and evidence of charge-off procedures or collection efforts was never provided. Unfair charge-off reporting diminishes creditworthiness and erodes trust in reporting agencies. 

XXXX XXXX XXXX XXXX XXXX High Balance : {$120.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : Unsubstantiated derogatory tradelines breach fair credit and collection laws.

Story : The alleged late payments have no reflection in my payment records. Misinformation in payment history contravenes my consumer rights and poses reputational harm. 

XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$2500.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FDCPA and FCRA govern accurate and fair reporting of account status.

Story : Reporting this account as late misrepresents my payment integrity. This kind of error can escalate to denial of basic financial services and breaches my consumer protections under federal law. 

XXXX XXXXXXXX XXXX XXXX  High Balance : {$20.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : Accurate reporting required under FCRA ; negligible sums should not result in major derogatory marks. 
Story : Reporting a {$20.00} balance as late payment is disproportionate and punitive. This non-material error is evidence of poor data handling and illustrates the need for robust audit processes. 

XXXX XXXX XXXX XXXX High Balance : {$950.00} Date Opened : XX/XX/XXXX Issue : Collection Law : Full validation and notice are prerequisites before reporting collections.

Story : There is no record or documentation provided for this collection. Unauthorized entries can suppress credit scores and lead to regulatory investigations. 

XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  High Balance : {$710.00} Date Opened : XX/XX/XXXX Issue : Collection Law : Compliance with the standards of the CFPB is essential for debt claims. 
Story : Reporting without proof or acknowledgment of debt is unlawful and has a damaging effect on my profile and financial opportunities. 

XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1400.00} Date Opened : XX/XX/XXXX Issue : Collection Law : FDCPA mandates complete verification upon request. 
Story : No supporting documentation for the reported debt has been provided. Repeated misreporting reflects systemic failures demanding immediate compliance review. 

XXXX XXXX XXXX XXXX XXXX XXXX High Balance : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Issue : Collection Law : Proper consumer disclosures and rights to dispute are stipulated under FCRA. 
Story : Without actual balance data, the notation is entirely unsubstantiated and improper. This ambiguity harms not only my record but the reliability of the entire reporting ecosystem. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$3300.00} Date Opened : XX/XX/XXXX Issue : Collection Law : FCRA and state laws prohibit the reporting of fictitious or unverifiable accounts.

Story : This debt is unknown to me, and collection status is erroneous; further reporting without correction invites legal challenge for willful noncompliance. 

XXXX XXXX XX/XX/XXXX Issue : Inquiry Law : Section 604 of the FCRA provides that inquiries must have a permissible purpose. 
Story : I did not authorize this inquiry nor was I provided disclosure or requested consent. Such practices are deceptive and harmful. 

XXXX XXXX XX/XX/XXXX Issue : Inquiry Law : Impermissible credit pulls are actionable under FCRA and state law.

Story : No application or authorization for this inquiry ; such entries depress my score and are grounds for dispute and possible regulatory complaint. 

XXXX XXXX XX/XX/XXXX Issue : Inquiry Law : FCRA ensures consumer control over credit file access.

Story : This inquiry was done without notification or consent, an actionable breach for which I require immediate removal.

RELIEF REQUESTED : 1. Immediate investigation and removal of inaccurate addresses 2. Full deletion of inaccurate, duplicated, and unverifiable negative accounts 3. Permanent removal of unauthorized inquiries from my credit reports 4. Written confirmation of all corrective actions taken I respectfully urge the CFPB to hold the involved furnishers and credit bureaus accountable for these repeated violations and ensure that my consumer rights under the law are restored.

Thank you for your assistance.

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