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:
To Whom It May Concern, I am submitting this complaint because my credit report contains numerous inaccurate and unlawful items that are causing severe damage to my credit score, financial stability, and personal reputation. These errors include incorrect addresses, unverifiable charge-offs, unlawful collections, false late payments, and unauthorized credit inquiries. Each item reflects a failure by the credit bureaus and furnishers to follow the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These repeated violations have caused significant emotional distress, financial setbacks, and reputational harm. I demand immediate correction of all the inaccurate information listed below. 
Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : This is a business entity, not a personal residence, and should never appear in my credit report as my address.

Law : FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) ( A ) require consumer reporting agencies to disclose accurate and verifiable information only.

Story : Linking my file to a law firm address has created an entirely false narrative that I am involved in legal matters. It has caused undue stress, embarrassment, and has led lenders to question my financial responsibility. This error has forced me to spend hours explaining my situation and fighting misperceptions that were never mine to begin with.

Account : XXXX XXXX High Balance : {$25000.00} Date Opened : XX/XX/XXXX Charged Off Issue : This charge-off is inaccurate, incomplete, and unverifiable.

Law : Under FCRA 609 and 611, furnishers must provide complete verification. FDCPA 807 prohibits misrepresentation of debt.

Story : This account has been reported as a charge-off without providing me proper validation or documentation. It has damaged my credit score, leading to repeated loan denials, higher interest rates, and humiliation during credit checks. Each lender views this entry as evidence of irresponsibility, which is entirely misleading. This has directly affected my ability to finance necessities and pursue opportunities like homeownership. 
Account : XXXX XXXX XXXX High Balance : {$42000.00} Date Opened : XX/XX/XXXX Charged Off Issue : Reporting shows an unlawful charge-off without full verification of balance or payments.

Law : FCRA 607 ( b ) requires maximum accuracy, and FDCPA 809 ( b ) requires proper debt validation.

Story : The presence of this inaccurate charge-off has caused real, tangible consequences. I was denied a car loan that I desperately needed, and even professional opportunities were questioned due to this false reporting. The emotional toll of being treated as financially irresponsible despite my efforts to maintain good credit has been overwhelming.

Account : XXXX XXXX XXXX XXXX High Balance : {$19000.00} Date Opened : XX/XX/XXXX Charged Off Issue : This account is listed as charged off but is being reported inconsistently across bureaus.

Law : FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know is inaccurate.

Story : Inconsistent reporting has caused me repeated denials of credit, and each application feels like a personal battle. I have spent countless hours speaking to lenders, disputing records, and providing documentation that should never have been questioned. The repeated misreporting has created not just financial harm but emotional distress, XXXX, and a sense of helplessness. 
Account : XXXX XXXXXXXX High Balance : {$54000.00} Date Opened : XX/XX/XXXX Late Payment Issue : Late payments are reported inaccurately and without proper verification.

Law : FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) require full investigation into disputes.

Story : This student loan account has been reported with false late payments spanning decades. The emotional strain is significantmy professional reputation, personal confidence, and financial stability are constantly questioned. Despite efforts to clarify the record, these entries remain, harming my ability to secure loans, maintain financial security, and plan for the future. 
Account : XXXX XXXX XXXX XXXX High Balance : {$17000.00} Date Opened : XX/XX/XXXX Collection Issue : This collection is not verified and may be re-aged.

Law : FDCPA 807 prohibits false representation of debt.

Story : The repeated appearance of this collection has caused enormous stress. Each time I apply for a credit card, mortgage, or loan, I am forced to explain a debt that may not exist in the reported form. It has caused humiliation, fear, and financial uncertainty. I have had to dedicate hours to disputing inaccurate reporting instead of focusing on legitimate financial responsibilities. 
Accounts : XXXX XXXX XXXX XXXXXXXX Multiple Balances ( {$1600.00}, {$2400.00}, {$730.00}, {$950.00} ) Opened between XXXX XXXX Collection Issue : These appear to be duplicate and re-aged collections for the same alleged debt.

Law : FDCPA 808 ( 1 ) prohibits collection of any amount not authorized. FCRA 607 ( b ) requires accuracy and prevents duplicate reporting.

Story : The duplicates make it look like I owe multiple debts instead of one, inflating my credit obligations unfairly. This has led to repeated denials of credit and lenders viewing me as high-risk. The stress, embarrassment, and financial strain are immense, as each new inquiry or denial reinforces the false narrative
.

Account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX High Balance : {$0.00} Late Payment Issue : This account shows late payment even though the balance is {$0.00}.

Law : FCRA 623 ( a ) ( 1 ) prohibits furnishers from reporting information they know is inaccurate.

Story : Reporting a late payment on a XXXX balance account is absurd, misleading, and harmful. It has negatively impacted my credit score, making it harder to obtain financial services, and has caused unnecessary anxiety and confusion.

Unauthorized Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : These inquiries were made without my authorization. 
Law : FCRA 604 ( a ) ( 3 ) prohibits credit inquiries without a permissible purpose.

Story : These inquiries are unlawful and continue to reduce my credit score. Each inquiry gives a false impression that I am irresponsibly applying for multiple lines of credit. It has led to a loss of opportunities, increased financial scrutiny, and emotional distress.

In conclusion, my credit file reflects repeated violations of my rights under FCRA and FDCPA, causing emotional, financial, and reputational harm. I demand immediate deletion of all inaccurate addresses, unverifiable accounts, unlawful late payments, and unauthorized inquiries. If these violations are not corrected, I will pursue further legal action to protect my rights and seek damages for the harm caused.

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 explanation