Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #15156285
Complaint Overview
Complaint ID: 15156285
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Florida
ZIP Code: 32244
Date Received: 2025-08-07T12:00:00-05:00
Date Sent to Company: 2025-08-07T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Consumer Financial Protection Bureau This is a formal complaint regarding multiple inaccurate, misleading, and damaging items being reported on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to unauthorized addresses, unverified late payments, charge-offs, collections, and unauthorized hard inquiries The presence of these errors is severely affecting my financial well-being, and despite multiple attempts to address these issues directly with the credit bureaus, the inaccuracies remain uncorrected I respectfully request a full-scale investigation into these violations and the permanent deletion of the disputed items listed below Wrong Address Entries XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Issue : This address does not belong to me. Its presence on my credit file is likely due to a reporting error or misidentification. Law : As per the FCRA Section 605B, reporting agencies must ensure only accurate personal information is included in consumer files ; failure to rectify such errors violates my rights. Story : The incorrect address triggered delays in loan approvals when my updated documents did not match what banks found on my reportcausing personal and financial stress. XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Issue : I have never lived at this address. Its reporting can expose me to risks of identity confusion or fraud. Law : Under FCRA, continued reporting of unverifiable addresses constitutes negligence by the reporting bureau. Story : My insurance agent questioned my residency during a coverage updateresulting in my temporary loss of vital policy benefits. Inaccurate Account Entries XXXX XXXX XXXXXXXX XXXX XXXX ( Opened : XX/XX/XXXX ) High Credit : {$240.00} ( Late Payment ) * * Issue : I dispute the reported late payment on this account ; to my records, payments have been made on time. Law : Under FCRA Section 611, any entry shown to be inaccurate or incomplete must be corrected. Story : A misreported late payment resulted in a personal loan offer being denied, impacting a planned move for my family. XXXX XXXX [ Multiple Accounts ] ( Late Payments ) Issue : The late payment records are erroneous or outdated. Law : The FCRA and Fair Debt Collection Practices Act ( FDCPA ) require prompt correction after dispute. Story : Due to these reports, my student loan servicer increased rates, leading to further financial distress. XXXX XXXX XXXXXXXX XXXX XXXX ( XX/XX/XXXX ) High Credit : {$610.00} ( Charge Off ) * * Issue : I challenge the validity and status of this debt. Law : The FCRA and FDCPA ensure incorrect charge-off accounts are swiftly investigated and removed when unsubstantiated. Story : This charge-off label led to difficult, emotionally taxing rejections during apartment applications. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Issue : I question the authenticity or details of these charge-offs/inquiries ; these do not match my records. Law : FCRA and state-level laws reiterate the right to dispute all controversial or unrecognized entries. Story : These entries have led to unjustified insurance premium hikes and denied utility account openings. Unauthorized/Questionable Inquiries XXXX ( XX/XX/XXXX ), Issue : I did not authorize these inquiries ; they may indicate potential identity theft or unlawful access to my report. Law : Under FCRA Section 604, only permissible purpose allows inquiries ; otherwise, they must be erased. Story : Unrecognized hard inquiries severely reduced my credit score, leading to distress in obtaining credit for an emergency. I request the Consumer Financial Protection Bureau to initiate an investigation into these accounts, ensure full compliance with FCRA and FDCPA, and instruct the credit bureaus to permanently delete all inaccurate, unverifiable, unauthorized, and damaging data that I have outlined above These issues have caused emotional distress, loss of financial opportunity, and denial of basic needs such as housing and transportation
Frequently Asked Questions
What is Complaint #15156285 about?
Complaint #15156285 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-08-07T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Transunion Intermediate Holdings, INC.?
Yes, visit the Transunion Intermediate Holdings, INC. company profile at readthecomplaint.com/company/transunion-intermediate-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.