Consumer complaint received 2025-09-13 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 formally notifying the Consumer Financial Protection Bureau of multiple erroneous items on my credit report, including a wrong address and fraudulent accounts. These inaccuracies violate FCRA Sections 1681i, 1681e ( b ), 1681s-2, 609 ( a ), 611, and 623 ( a ) ( 1 ), which require accurate and verifiable reporting. The false reporting has resulted in harm to my financial standing, denial of credit opportunities, and emotional stress. I request the CFPBs intervention to ensure thorough reinvestigation, verification, and removal of unverifiable items. 

ACCOUNTS XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4500.00} Late Payment * * This account continues to report late payments that I dispute as inaccurate and unverified. Under FCRA 611 ( a ), you are required to conduct a reasonable reinvestigation, but the prior responses failed to provide documentation proving the alleged delinquency. The furnisher must produce a full payment history, contract, and proof that I was notified before negative reporting. Without these documents, continued reporting is inaccurate and harmful. The current balance being reported is also suspect as it does not match statements in my possession. Every late payment reported is negatively affecting my credit score, employment opportunities, and lending ability. This account must either be corrected to show accurate payment history or removed entirely if verification can not be obtained. 

XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4200.00} Late Payment * * This is another XXXX XXXX tradeline with multiple late payments that are being reported inconsistently across different bureaus. Under FCRA 607 ( b ), you must follow reasonable procedures to assure maximum possible accuracy of the information you report. Reporting conflicting dates of delinquency and failing to provide evidence of late payments violates that duty. I demand you contact XXXX XXXXXXXX directly and obtain a full investigation report, including date-stamped payment history and proof that all negative entries were lawfully reported in compliance with the Fair Credit Billing Act and the FCRA. If XXXX XXXX can not provide this within the legally required timeframe, you must delete the negative information. 

XXXX XXXX XXXX XX/XX/XXXX I did not apply for credit with XXXXXXXX XXXX on this date. Please verify with the furnisher and provide me with the documentation used to justify this inquiry. If you can not produce a signed application or consent form, this inquiry is unlawful and must be deleted immediately. 

XXXX respectfully request the CFPB to ensure that all reporting agencies and creditors comply with the FCRA, verifying all disputed items or deleting them if unverifiable. The false reporting has caused financial damage, stress, and harm to my reputation. I expect confirmation in writing once all inaccuracies have been fully addressed.

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