Consumer complaint received 2025-09-09 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: CA

Complaint narrative:
I am filing a complaint regarding multiple inaccurate and unverifiable items being reported on my consumer credit report. These errors include wrong addresses and late payment notations that violate the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ). These inaccuracies have caused significant financial harm, emotional distress, and denial of fair credit opportunities.

Wrong Addresses Reported ( Identity/Accuracy Violation FCRA 609 &
610 ) XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX Wrong Address I have never resided or been associated with this address, reporting it creates identity theft risks and damages my profile. This false address makes it appear as though I have lived in locations tied to other individuals. Because of this false data, lenders have questioned my identity, I have faced delays in approvals, and my personal safety has been put at risk due to being linked with unrelated third parties. 
XXXX XXXX XXXX XXXX CA XXXX Wrong Address This address is false, inaccurate, and not linked to me in any legal, financial, or residential manner, retaining it violates my consumer rights. This wrong reporting has created a false association with debts and accounts that are not mine, which has directly harmed my ability to rebuild credit and has caused severe emotional stress. 
These addresses must be deleted immediately as they are misleading and create a false association. 
Accounts with Late Payments ( Violation of FCRA 607 ( b ) Maximum Accuracy Requirement ) XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$86000.00} Late Payment The reported late payments are inaccurate, not fully verifiable, and in violation of my rights. Reporting such derogatory marks without proper verification violates FCRA 611. This negative reporting has unfairly impacted my creditworthiness for years. Because of this error, I have been denied mortgage refinancing opportunities, forced into higher interest loans, and have endured years of financial setbacks that were not my fault. The late payment reporting has followed me unfairly, and no creditor has ever provided proof of accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$29000.00} Late Payment The reporting agency has failed to maintain accuracy. This account shows inconsistent payment history and unverifiable late entries. The continued reporting of this error has caused denial of credit, emotional suffering, and material financial damages. I was unable to obtain auto financing at a fair rate, and was forced to pay nearly double interest due to this derogatory mark. I have also faced embarrassment during job background checks where my credit report was reviewed, causing loss of opportunities. 
XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2800.00} Late Payment The reported delinquency is misleading, unverifiable, and not consistent with accurate reporting requirements. Under FCRA, any unverifiable late payment must be deleted. Because of this false late payment, I was denied approval for a personal loan that I urgently needed during a medical emergency. The stress and financial burden this error caused me and my family is immeasurable, as I was unable to access the funds needed when they were most critical. 
Hard Inquiry ( Violation of FCRA 604 Permissible Purpose ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX This inquiry was made without my full authorization and does not reflect any valid permissible purpose. Under FCRA, hard inquiries must be authorized, fully documented, and permissible. Reporting an unauthorized inquiry is unlawful and must be removed immediately. Because of this unauthorized inquiry, my credit score dropped, which directly caused me to lose approval for a credit card application. This inquiry has created unnecessary financial loss and emotional distress, as I never gave consent for this inquiry, and yet I am being punished for it.

Harm Caused : Denied mortgage refinancing and higher housing costs.

D

enied student loan refinance and forced into higher interest. Lost job opportunities due to inaccurate credit report. Forced into unfair auto loan terms with high monthly payments. Emotional stress and reputational damage from false reporting. Resolution Requested : 1. Permanently delete all wrong addresses from my consumer credit report. 2. Remove all unverifiable and inaccurate late payment notations from the listed accounts. 3. Conduct a full reinvestigation in compliance with FCRA 611 and provide written proof of accuracy. 4. Provide confirmation of deletions and corrections within 30 days.

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