Consumer complaint received 2025-10-13 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:
Dear CFPB I am submitting this complaint regarding inaccurate information reported on my credit report by XXXX Credit Bureau XXXX ]. The following items are being reported incorrectly and are causing material harm to my credit profile. I request that CFPB intervene and require the credit reporting agency and the furnishers to investigate and correct or delete these items in accordance with federal law. 
XXXX XXXX XXXX # XXXX XXXX CA XXXX WRONG ADDRESS This address is being falsely associated with my name. I have never resided at this location, nor have I ever been connected to any accounts linked to this address. Reporting an incorrect address creates confusion and misidentification, which is a direct violation of FCRA 607 ( b ) requiring accuracy and maximum possible completeness. I request that this address be permanently removed from my credit file. 
XXXX XXXX XXXX XXXX CA XXXX WRONG ADDRESS This address is also incorrect and should not be reported under my profile. I have no known or documented history of residing or receiving mail at this address. Retaining it on my report is misleading and could associate me with fraudulent or unauthorized activities. This violates the accuracy standards of FCRA 602 ( A ) and 607 ( B ). Please delete this address immediately. 
XXXX XXXX XXXX LATE PAYMENT Date Opened : XX/XX/XXXX | Balance : {$86000.00} This account is being reported with late payments, which is false. I have never made any late payments toward this account. The creditor has failed to provide proper documentation or validation supporting this reporting. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting inaccurate data. Please correct the payment history to reflect an on-time status. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LATE PAYMENT XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$29000.00} The reported late payments are inaccurate and damaging to my credit standing. I dispute this entry entirely and request verification of the payment history, as required under FCRA 611 ( a ) ( 1 ) ( A ). If proper documentation can not be provided within 30 days, this inaccurate status must be deleted or corrected to Paid as Agreed. 
XXXX XXXX XXXX LATE PAYMENT Date Opened : XX/XX/XXXX | Balance : {$2800.00} This account is reporting late payments which are not factual. No documentation has been provided to justify this negative reporting. Reporting unverifiable or false payment history is a violation of FCRA 623 ( a ) ( 1 ) ( B ). I request immediate correction of this accounts status to accurately reflect my on-time payments. 
XXXX XXXX XXXX XXXX XXXX XXXX LATE PAYMENT XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$0.00} This account is being misreported as having late payments despite showing a XXXX balance. It is not possible to have a late payment on a closed or zero-balance account. This indicates a clear reporting error and noncompliance with FCRA 607 ( b ). Please remove or correct the late payment remark immediately. 
XXXX XXXX INQUIRY ( XX/XX/XXXX ) An unauthorized inquiry from XXXX XXXX XXXX XXXX appears on my report. I did not initiate or authorize this credit inquiry. Under FCRA 604 ( a ) ( 3 ), a consumer reporting agency may only furnish a report for permissible purposes. Since no authorization was given, this inquiry must be deleted immediately.

Request for Relief : I request that CFPB require the credit bureau and furnishers to : Conduct a full reinvestigation of the above-listed accounts.

Delete or correct any information that can not be verified as accurate.

Provide written confirmation of corrections.

These inaccurate reports are harming my creditworthiness and are in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681e ( b ) ) and California Civil Code 1785.25 ( a ). I request CFPB intervention to ensure my credit file accurately reflects only verified and lawful information.

Thank you for your attention to this matter.

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