Consumer complaint received 2025-07-15 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: MI

Complaint narrative:
I am submitting this formal complaint against the credit reporting agencies for reporting multiple inaccurate addresses, accounts with incorrect or misleading statuses such as charge-offs and late payments, and unauthorized or unverified hard inquiries that have harmed my creditworthiness and financial standing. These errors are serious violations of my rights under federal law including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws. I have never lived at or been associated with several of these addresses and the accounts and inquiries in question contain inaccurate or unverifiable information. Despite prior disputes, these items remain unresolved. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This address is incorrect and does not belong to me. 
Law : FCRA 605 ( b ) and 607 ( b ) require accuracy and completeness of information. 
Story : I have never resided at or been associated with this address. Its presence on my report is causing confusion and possible linkage to unrelated accounts. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX Issue : This address is being falsely reported on my credit file. 
Law : Under FCRA 611 ( a ), I have the right to dispute and correct inaccurate personal information. 
Story : I have no current or past connection to this address and it must be removed to prevent misattribution of debts and accounts. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Late payments are being reported inaccurately. 
Law : FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishing false information. 
Story : I was not late as shown, and I have documentation indicating payments were made on time or within grace periods. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Late payments listed are not correct. 
Law : FCRA 1681s-2 and 611 require data furnishers to report accurate data.

Story : I was on a temporary financial hardship program, and the payments were adjusted, not delinquent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Reported delinquencies during a period of deferment. 
Law : FCRA 623 ( a ) ( 1 ) ( B ) requires updating of information if found to be incomplete or inaccurate. 
Story : I had a deferment agreement due to financial hardship, and no payment was due during the time listed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Charge-off amount and reporting are not matching internal records. 
Law : FCRA 611 ( a ) requires thorough investigation of disputed accounts. 
Story : This account was paid in settlement, and the balance is inaccurately showing as charged off without reflecting the settlement. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Medical collection without proper notice. 
Law : FCRA 809 of the FDCPA and HIPAA guidelines. 
Story : I was never informed or billed directly, and no validation of the debt has been received despite requests. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Unauthorized account and billing error. 
Law : FCRA 611 and FDCPA 809 ( a ). 
Story : I never opened or authorized this account. This may be the result of identity theft or internal error. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Inaccurate amount and no itemized bill provided. 
Law : FCRA 623 ( a ) ( 1 ) and FDCPA 809 ( b ). 
Story : I attempted to resolve this directly with XXXX, and they agreed to cancel the balance. The reporting should not remain. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Duplicate reporting with XXXX  account. 
Law : FCRA 605 and 607. 
Story : This debt is already shown as charged off under XXXX and should not be listed twice in a new collection. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Invalid collection without verification. 
Law : FDCPA 809 ( b ) requires validation upon request. 
Story : No proof of the debt or breakdown has been supplied. I dispute the validity and demand reinvestigation. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Debt is inaccurate and not owed. 
Law : FCRA 611 ( a ) and FDCPA 809. 
Story : This account was resolved previously, and its continued reporting is damaging and misleading. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Debt ownership unclear and disputed. 
Law : FCRA 609 ( a ) ( 1 ) gives right to complete itemization of the debt.

Story : I have never received documentation showing this debt was legally transferred or properly validated. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : XXXXXXXX XXXX XXXX XXXX  collection. 
Law : FCRA 605 ( b ) prohibits duplicate reporting. 
Story : This appears to be the same debt as above under a different account number, creating false derogatory marks. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Duplicate reporting with XXXXXXXX XXXX 
Law : FCRA 623 ( b ) mandates correction of errors after dispute.

Story : This account was already sold and is being double-reported. Please remove to ensure fair credit evaluation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Disputed amount and charge-off status. 
Law : FCRA 611 and 623 ( a ). 
Story : This account had a settlement arrangement that was never reflected. It should not be charged off in full. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Marked late while in automatic payment setup. 
Law : FCRA 607 ( b ) ensures maximum accuracy.

Story : I had automatic payments enabled and was not notified of any failure. The delinquency must be removed. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Incorrect balance and charge-off reported post-settlement. 
Law : FCRA 623 ( a ) ( 1 ) ( B ).

Story : This account was resolved in a payment plan. I request reinvestigation and updated reporting. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Issue : Account marked charged-off in error. 
Law : FCRA 623 and 611 ( a ). 
Story : This account was closed in good standing. The charge-off is unsubstantiated and incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Balance and status are disputed. 
Law : FCRA 623 ( b ) ( 1 ). 
Story : I never defaulted on this account. The account was current at time of closure. This is harming my score unjustly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : Unauthorized hard inquiry. 
Law : FCRA 604 ( a ) ( 3 ) restricts inquiries without permissible purpose.

Story : I did not authorize this inquiry or apply for any service with XXXX on that date. Please remove the inquiry. 
I am requesting that the Consumer Financial Protection Bureau take immediate action to investigate these serious violations of the Fair Credit Reporting Act and ensure that the credit bureaus and furnishers involved correct or delete all inaccurate, unverifiable, and unauthorized information listed above. These errors have caused significant harm to my credit profile, financial stability, and overall well-being. I demand full compliance with federal law, proper reinvestigation under FCRA 611, and timely written confirmation of the actions taken. Failure to address these issues appropriately may result in further legal actions 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