Consumer complaint received 2025-09-12 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: NJ

Complaint narrative:
To Whom It May Concern, I am filing this complaint pursuant to the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ), and the Consumer Financial Protection Act ( CFPA, 12 U.S.C. 5531 ). I have discovered multiple inaccurate and unauthorized items being reported on my credit reports. These items include late payments and hard inquiries that were not authorized by me, and they are causing serious harm to my credit profile, financial opportunities, and overall reputation. I request a full investigation, verification, and deletion of all unverifiable or unauthorized items.

Wrong Addresses Reported ( Identity/Record Confusion FCRA Violation ) XXXX XXXX XXXX XXXX XXXX, NJ, XXXX Wrong Address Issue : These addresses do not belong to me and have never been associated with my identity. Their presence on my credit report indicates possible file-mixing, fraud, or gross negligence by the credit reporting agencies.Story : Because of these false addresses, I have already faced issues with creditors and lenders who question my stability and accuse me of misrepresentation. It creates the impression that I have lived in multiple locations tied to debts or activities that are not mine, which is misleading and harmful. This directly undermines my ability to obtain housing, car loans, or even fair insurance rates.Law : This is a direct violation of FCRA 607 ( b ), which requires maximum possible accuracy in consumer reports. Maintaining and publishing wrong addresses constitutes reckless noncompliance. It also violates FCRA 609 ( a ) ( 1 ) since I have a right to full disclosure of how and why these addresses were attached to my file, yet no evidence has been provided. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX  | High Balance : {$7600.00} | Issue : Late Payment Issue : The late payment reporting is inaccurate and unverifiable.Story : I have disputed these lates multiple times, yet no proper verification has been provided. This continued reporting is misleading to future creditors, portraying me as irresponsible when in fact the alleged delinquencies can not be substantiated. The inaccurate derogatory marks are blocking me from securing credit at fair rates and damaging my reputation as a consumer.Law : This violates FCRA 623 ( a ) ( 1 ) ( A ) which prohibits furnishers from reporting information they knowor should knowis inaccurate. It also violates FCRA 611, which mandates that once disputed, the furnisher and credit bureau must conduct a reasonable investigation. The continued inaccurate reporting without validation is also an unfair practice under CFPA 1036 ( a ) ( 1 ) ( B ). 
XXXX XXXX XXXX Open Date : XXXX XXXX, XXXX  | High Balance : {$740.00} | Issue : Charge-Off Issue : This account is reporting a charge-off in a misleading and damaging way.Story : I dispute the accuracy and completeness of this charge-off. If the account was charged-off and then sold to a third-party debt collector, XXXX XXXX should not be continuing to report as though they still own the debt. This double-reporting practice is misleading to creditors and creates the false impression that I have more obligations than I actually do. Such reporting makes it extremely difficult to obtain new credit or rebuild financially.Law : This violates FCRA 602 ( A ) ( consumer reports must not be misleading ) and FCRA 623 ( b ) ( duty of furnishers to investigate disputes ). It also potentially violates FDCPA 807 ( 8 ) because the continued charge-off reporting may misrepresent the legal status of the debt. Willful continued reporting of an unverifiable charge-off constitutes a violation under FCRA 616 and exposes the furnisher to liability for damages. 
XXXXXXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXXXXXX  | High Credit : {$1000.00} | Issue : Late Payment Issue : The late payments reported are inaccurate, unverifiable, and misleading.Story : I have consistently requested verification and supporting documents for these late payments, yet XXXX XXXX  has failed to provide proper proof. This indicates either poor recordkeeping or outright negligence. Because of this negative reporting, my score has been unfairly reduced, limiting my ability to qualify for fair housing, employment opportunities, and credit lines.Law : This violates FCRA 623 ( b ) ( 1 ) which requires furnishers to conduct a proper investigation when a consumer disputes information. Reporting unverifiable lates also violates FCRA 607 ( b ) ( accuracy requirement ) and FDCPA 807 ( 2 ) ( A ) which prohibits false representation of the character or amount of a debt. Failure to provide verification means the information must be deleted, not continually reported. 
XXXX XXXX Open Date : XX/XX/XXXXXXXX  | High Balance : {$5500.00} | Issue : Charge-Off Issue : This charge-off is reported inaccurately and without full verification.Story : XXXX has reported this account as a charge-off XXXX yet has failed to provide documentation proving the account details, dates, and alleged delinquency are accurate. This reckless reporting severely damages my creditworthiness and is preventing me from accessing credit and employment opportunities. The presence of this unverified charge-off continues to punish me unfairly.Law : Under FCRA 611 ( a ), I have the right to dispute any incomplete or inaccurate information. The credit reporting agency must delete or correct information that can not be verified. Continuing to report unverifiable charge-offs violates FCRA 623 ( a ) ( 1 ) ( A ) and constitutes negligent or willful noncompliance under FCRA 616 and 617. This also falls under CFPA 1036 as an unfair, deceptive, and abusive act or practice. 
XXXX XXXX XXXX Open Date : XX/XX/XXXXXXXX  | High Balance : {$54000.00} | Issue : Late Payment Issue : This mortgage account is inaccurately reporting late payments.Story : Mortgage reporting is highly sensitive and must be accurate. The alleged late payments are not supported by valid documentation. I have previously requested investigation and proof of accuracy, but no proper records have been provided. The harm from this inaccurate reporting is extremely severeit paints me as a high-risk borrower, prevents me from refinancing or obtaining new housing, and damages my financial stability long-term.Law : This reporting violates FCRA 623 ( a ) ( 1 ) ( A ) by furnishing inaccurate information. It violates FCRA 611 by failing to properly investigate disputes. Continuing to report unverifiable late payments constitutes willful noncompliance under FCRA 616. The reporting also constitutes unfair and abusive practice under CFPA 1031 and 1036 because of the significant financial harm caused to me. 
XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXXXXXX  | High Balance : {$23000.00} | Issue : Late Payment Issue : The account is reporting late payments which I dispute as inaccurate.Story : I have not been provided with any verifiable documentation showing the dates and amounts of the alleged delinquencies. Continued reporting of these lates damages my ability to obtain fair credit, misrepresents my payment history, and harms my reputation. This creates the false impression that I am a habitual late payer when the records have not been validated.Law : This violates FCRA 623 ( a ) ( 1 ) ( A ) ( duty to provide accurate information ) and FCRA 611 ( consumers right to dispute and require verification ). The continued reporting without validation also falls under CFPA 1036 as an unfair practice. 
XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX | High Balance : {$45000.00} | Issue : Late Payment Issue : This account is reporting late payments that are inaccurate and unverifiable.Story : I dispute these late payments because they are not backed by original creditor documentation. The reporting of such derogatory marks has caused me to lose financial opportunities and created barriers to refinancing options. This misreporting paints a false financial picture that is not supported by facts.Law : This violates FCRA 607 ( b ) ( maximum possible accuracy ) and FCRA 623 ( b ) ( 1 ) ( duty to investigate ). Failure to validate upon dispute violates FCRA 611 ( a ) ( 1 ) and constitutes willful noncompliance under FCRA 616. 
XXXX XXXX XXXX  ( XX/XX/XXXX ) Issue : This inquiry is unauthorized and inaccurate.Story : I never gave XXXX XXXX permission to pull my credit on XX/XX/XXXX. This hard inquiry has negatively impacted my score and falsely indicates that I was seeking new credit when I was not. Such unauthorized inquiries harm my financial standing and raise red flags with lenders.Law : This violates FCRA 604 ( a ) which requires permissible purpose for inquiries. Pulling my credit without authorization also constitutes an unfair practice under CFPA 1036 ( a ) ( 1 ) ( B ).

Conclusion and Relief Requested The above late payments and unauthorized inquiries are inaccurate, incomplete, and unverifiable. They violate multiple provisions of the FCRA, FDCPA, and CFPA. These actions have caused me financial harm, reputational damage, and emotional distress.

I demand that the CFPB : 1. Investigate each of these accounts and inquiries.

2. Require furnishers and credit reporting agencies to provide documented proof of accuracy and permissible purpose.

3. Immediately delete or correct all unverifiable late payments and unauthorized inquiries from my credit report. 
If these issues are not resolved, I will pursue additional remedies including filing complaints with the FTC, State Attorney Generals Office, and seeking private legal action under FCRA 616 & 617 for damages.

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