Consumer complaint received 2025-10-06 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 formal complaint regarding multiple inaccurate, unverified, and misleading items appearing on my credit reports. These items are severely damaging my creditworthiness, and the reporting entities are in direct violation of the Fair Credit Reporting Act ( FCRA ) 602, 607, 609, 611, and 623, as well as other consumer protection laws. 

1. Wrong / Inaccurate Addresses Reported The following addresses are being reported on my credit file, but they are not accurate, not associated with me, and must be deleted immediately : 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 XXXXXXXX The continued reporting of these addresses is a clear violation of FCRA 607 ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. 

2. Unverified / Inaccurate Accounts The following accounts are reporting inaccurate derogatory information that has not been properly verified as required under FCRA 609 ( a ) ( 1 ) and 611 ( a ) : XXXX XXXX XXXX ( XXXX ) Open Date XX/XX/XXXX reporting late payments, which I dispute as inaccurate. 

XXXX XXXX XXXX ( XXXX ) Open Date XX/XX/XXXX reporting late payments ; no valid proof of delinquency has been provided. 

XXXX XXXX ( XXXX ) Open Date XX/XX/XXXX reporting as Charge Off despite showing {$0.00} balance, which is contradictory and misleading. 

XXXX  ( XXXX ) Open Date XX/XX/XXXX reporting as Charge Off for {$300.00}, which I dispute. 

XXXX XXXX XXXX XXXX ( XXXX ) Open Date XX/XX/XXXX late payment reporting not validated. 

XXXX XXXX XXXX XXXX ( XXXX ) Open Date XX/XX/XXXX late payment reporting not validated. 

These entries are damaging, inconsistent, and unverifiable, which is a violation of FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing inaccurate information ).

3. Unverified / Excessive Credit Inquiries The following inquiries appear on my credit file without my proper authorization and must be removed : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 These inquiries are unauthorized and harmful. Under FCRA 604, consumer reporting agencies must ensure that inquiries appear only when permissible purpose exists. 

My Demand for Immediate Action : Delete all inaccurate addresses not associated with me. 

Delete or correct all unverifiable, inaccurate accounts listed above. 

Remove all unauthorized inquiries from my credit file. 

Provide me with written verification and documentation from the furnishers proving the accuracy of these accounts, or remove them immediately in compliance with FCRA 611.

Failure to properly investigate and correct these inaccuracies constitutes willful noncompliance with the FCRA, which subjects the responsible parties to damages under 15 U.S.C. 1681n and 1681o. 

I am requesting the CFPB to investigate these violations thoroughly and take appropriate enforcement action against the reporting agencies and furnishers.

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