Consumer complaint received 2025-11-05 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: NY

Complaint narrative:
Dear CFPB Representative, I am submitting this complaint against the credit reporting agencies ( XXXX TransUnion, and XXXX  ) as well as the furnishers listed below for reporting false, misleading, and unverifiable information on my credit report. I have already contacted the credit bureaus to dispute these inaccuracies, yet they continue to remain on my file without proper verification or correction. 
Below are the details of the items that are inaccurate and require your immediate review and investigation : Wrong Addresses : XXXX XXXX XXXX XXXX, NY XXXX I have never lived at this address and have no connection to it. 
XXXX XXXX XXXX, NY XXXX This is not my address and must be removed immediately. 
These addresses are creating confusion and associating my credit file with information that does not belong to me. I request immediate deletion of all incorrect addresses and for my report to only reflect my true and current residence. 
Incorrect Account Information : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Reported as Late Payment. 
This account is being inaccurately reported as having late payments. I have never made any late payments with this creditor. The reporting of this account is damaging and false. Please investigate and correct the payment history to show an accurate on-time status. 
XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$510.00} Reported as Late Payment. 
This account is also being incorrectly reported as late. I have maintained good standing with this creditor and have never missed a payment. I demand that the late payment status be corrected and updated to Paid as Agreed / Never Late.

Violations and Requested Relief These repeated inaccuracies demonstrate a failure of the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act ( FCRA ). Specifically, they have violated : 602 ( A ) Protecting consumer privacy and ensuring fairness.

607 ( b ) Duty of credit bureaus to maintain maximum possible accuracy.

611 ( a ) Failure to reinvestigate disputed information within 30 days.

623 ( a ) ( 1 ) ( A ) Furnishers reporting information with actual knowledge of errors.

604 Unauthorized access to credit reports.

I am requesting that the CFPB open an investigation into these violations and compel : 1. Immediate deletion of all wrong addresses from my credit report. 
2. Correction of all accounts falsely marked with late payments.

3. Removal of unauthorized inquiries from XXXX and XXXX XXXX XXXX XXXX XXXX 
4. Verification documentation from the furnishers showing proof of accuracy or deletion if such proof can not be produced.

5. Enforcement of FCRA compliance and accountability for the credit bureaus and furnishers involved.

These errors have caused significant emotional distress and financial harm, affecting my ability to maintain creditworthiness and qualify for essential financial services. 
Thank you for your attention to this serious matter. I request prompt investigation and written confirmation once the inaccuracies have been resolved.

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