Consumer complaint received 2025-10-07 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: TX

Complaint narrative:
To Whom It May Concern, This is a formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am disputing both inaccurate late payment reporting and unauthorized inquiries that appear on my credit file. These items are false, misleading, and damaging to my credit standing. Under FCRA 602 ( A ), 607 ( B ), 609 ( a ) ( 1 ), and 611, I have the right to maximum possible accuracy and the removal of unverified or unauthorized information. 
XXXX XXXX XXXX XXXX, TX XXXX Wrong Address I have never lived at or been associated with this address. Its inclusion on my credit file is a violation of FCRA 607 ( b ), which requires CRAs to maintain accurate and up-to-date information. Allowing this address to remain risks identity theft and misrepresentation of my residency history. 
XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This address is not connected to me in any capacity. Its reporting is false and misleading. FCRA requires only verifiable information be included, and this address must be deleted. 
XXXX XXXX XXXX * Late Payment * * Date Opened : XX/XX/XXXX Balance : {$1000.00} The alleged late payments reported here are false. I dispute this reporting as it does not reflect my actual payment history. Inaccurate reporting of late payments is unlawful and has caused severe harm to my credit reputation. This must be corrected immediately to show accurate payment history. 
XXXX XXXX XXXX * * Late Payment * * Date Opened : XX/XX/XXXX Balance : {$1900.00} This account also inaccurately shows late payment history. I maintain that I have not missed payments and this reporting is completely erroneous. FCRA requires accurate reporting, and failure to correct this issue is a direct violation of my consumer rights. 
XXXX XXXX XXXX * Late Payment * * Date Opened : XX/XX/XXXX High Balance : {$130.00} This account is inaccurately showing late payments. I maintain that I was never late, and this reporting is factually incorrect. By law under FCRA 607 ( b ), only accurate information can be furnished. The false delinquency harms my reputation and must be corrected to reflect on-time payments. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Late Payment * * Date Opened : XX/XX/XXXX High Balance : {$420.00} The alleged late payment reporting is inaccurate. I dispute the delinquency as I have no record of being late. This violates my rights under FCRA, and the credit bureau is responsible for correcting this immediately to prevent further harm to my file. 
XXXX XXXX XXXX XXXX Late Payment * * Date Opened : XX/XX/XXXX High Balance : {$210.00} This account is showing false late payment data. I dispute this as inaccurate and unverifiable. Under FCRA 611, I am entitled to reinvestigation and correction of any false reporting. This account must be updated to reflect a positive and accurate payment history. 
XXXX XXXX XXXX * Late Payment * * Date Opened : XX/XX/XXXX High Balance : {$440.00} This late payment reporting is wrong and misleading. I have not been late on this account. Keeping this false information violates my consumer rights under FCRA and constitutes willful negligence. The history must be corrected immediately. 
XXXX  XXXX XXXX XXXX  Late Payment * * Date Opened : XX/XX/XXXX High Balance : {$200.00} This account also reflects late payments that never occurred. This is a direct violation of the accuracy requirement under FCRA. The report must be amended to reflect true and timely payments. 
XXXX XXXXXXXX XXXX Late Payment * * Date Opened : XX/XX/XXXX High Balance : {$780.00} This account is reporting inaccurate delinquencies. I have not missed payments, and this false reporting is unlawful. FCRA 623 prohibits furnishers from reporting false data. Correction is required. 
XXXX XXXX XXXX XXXX  XXXX * Late Payment * * Date Opened : XX/XX/XXXX High Balance : {$230.00} This late payment status is inaccurate and must be corrected. I dispute this reporting as unverified and unlawful. The bureau has an obligation under FCRA to delete or correct unverifiable information. 
XXXX XXXX XXXX * Late Payment * * Date Opened : XX/XX/XXXX High Balance : {$240.00} This account is also wrongly showing late payments. I have no history of delinquency, and the false reporting is damaging. This must be corrected to reflect my accurate payment history as required by FCRA. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Late Payment * * Date Opened : XX/XX/XXXX High Balance : {$220.00} This account is showing false late payments. I dispute this as inaccurate and unlawful. I was not late on this account, and reporting otherwise violates FCRA 607 ( b ). This must be corrected immediately. 
XXXX XXXX XXXX XXXX * Late Payment * * Date Opened : XX/XX/XXXX High Balance : {$6600.00} The late payment reporting on this account is false. I have no history of delinquency here. This inaccurate reporting damages my credit reputation and is a violation of my rights under FCRA 611. 
List of Unauthorized Inquiries : XXXX XXXX XX/XX/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 XX/XX/XXXX Legal Basis : These inquiries were not initiated or authorized by me and therefore violate FCRA 604 ( a ) ( 3 ). Under FCRA 607 ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Reporting inquiries without my consent is a breach of that duty. 
RELIEF REQUESTED 1. Permanent correction of all false late payment statuses to show accurate on-time history. 
2. Permanent deletion of all unauthorized credit inquiries listed above.

3. Written confirmation of the investigation and results, as required by FCRA 611 ( a ) ( 5 ).

If these inaccuracies are not corrected promptly, I will escalate further to the State Attorney General and consider civil remedies under FCRA 616 and 617 for willful noncompliance.

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