Consumer complaint received 2025-06-23 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: CA

Complaint narrative:
I am filing this complaint because my credit report contains multiple inaccuracies that are negatively affecting my credit standing. Despite previous efforts to dispute and correct these errors directly with the credit bureaus, the following issues remain unresolved : Incorrect Personal Information : An address listed on my credit report is incorrect : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I have never lived at this address, and its presence is a violation of the Fair Credit Reporting Act ( FCRA ) under Section 604 ( c ), which mandates the accuracy and relevance of consumer data. 

Inaccurate and Unverified Late Payments : The following accounts are reporting late payments which I do not recognize or were never late : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$11000.00} These late payments appear inaccurate or unverifiable. Under FCRA Section XXXX, the bureaus are required to investigate and remove unverifiable or inaccurate information. Repeated reporting of unverified late payments without proper reinvestigation violates federal law. 

Charged Off Account Inaccurately Reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX High Balance : {$5300.00} This account is reporting as a charge-off, but I believe this is inaccurate or prematurely reported without proper notice or opportunity to resolve. 

Unauthorized or Questionable Credit Inquiries : I also noticed the following inquiries that I did not authorize or recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not initiated by me, and I did not provide consent as required under FCRA Section 604 ( a ) ( 2 ). Such unauthorized access constitutes a breach of my privacy rights. 

XXXX Requested : I respectfully request that the Consumer Financial Protection Bureau investigate these matters. I am seeking : The permanent removal of the incorrect address. 

Deletion or correction of all inaccurate late payment and charge-off notations. 

Removal of unauthorized hard inquiries. 

A written explanation of the investigation results. 

I have made several good-faith efforts to resolve these issues directly with the credit bureaus, but the inaccurate information remains, harming my financial well-being. 

Thank you for your attention to this matter.

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