Consumer complaint received 2025-12-09 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: SC

Complaint narrative:
I am filing this complaint because several items being reported to the credit bureaus are inaccurate, unverified, and harmful, and the data furnishers have failed to correct the information despite it being factually incorrect. I am requesting the CFPBs immediate review and enforcement to ensure these furnishers comply with the Fair Credit Reporting Act ( FCRA ). 

1. Incorrect / Wrong Addresses Reported The following addresses do NOT belong to me, and I have never lived at, used, or been associated with them : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Wrong Address XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Wrong Address These addresses must be removed as they create the appearance of fraudulent activity and inaccurate identity information. 

2. Incorrect Late Payment Reporting ( All Are Wrong ) I am disputing the following accounts because the payment history being reported is WRONG. 
I have never made late payments on these accounts. The furnishers failed to provide accurate payment records and are reporting false derogatory marks in violation of FCRA 602, 607, and 609.

I am requesting correction of the inaccurate late-payment history, not deletion of the accounts. 

Accounts Reporting Incorrect Late Payments : NXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These furnishers have failed to show any verified proof of late payment such as billing statements, ledger history, or documented notices of delinquency. 

Since the data is inaccurate and unverifiable, I request CFPB intervention to compel these furnishers to : Correct the false late payments Update all credit bureaus with accurate payment history Provide documented proof of any alleged late payments, or immediately correct the reporting as inaccurate FCRA Violations The furnishers are in violation of : FCRA 602 Reporting must be fair and accurate FCRA 607 ( b ) Data furnishers must maintain reasonable accuracy procedures FCRA 609 I am entitled to verified, documented evidence FCRA 611 They must investigate disputes properly FCRA 623 They can not report information they know ( or should know ) is inaccurate These violations have caused harm to my creditworthiness and financial opportunities.

Requested CFPB Action I request that the CFPB : Compel the furnishers to correct the inaccurate late-payment reporting Remove the wrong addresses from my credit file Require documentation/verification for any derogatory information reported Ensure full compliance with the FCRA Thank you for your immediate attention. I request investigation and written confirmation of the corrective actions taken.

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