Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute multiple errors appearing on my credit report that are inaccurate, misleading, and damaging to my financial reputation. The first error concerns inaccurate addresses listed on my file, including XXXX XXXX XXXX, XXXX, TN XXXX and XXXX XXXX XXXX XXXX XXXX, TX XXXX. I have never resided at either of these locations, nor have I authorized their use in connection with any account or financial obligation. The inclusion of these addresses has caused real-life complications, such as misdirected communications from lenders, confusion during identity verification, and an increased risk of potential identity theft. The incorrect addresses have also created obstacles when applying for rental housing, as landlords and property managers rely on credit reports to verify residence history. Under FCRA Section 611 ( a ), I have the right to dispute information I believe is inaccurate, and under FCRA Section 607 ( b ), reporting agencies must maintain maximum possible accuracy. The continued reporting of these erroneous addresses has caused stress, anxiety, and a significant burden of time and resources spent verifying my true personal information. I request immediate correction and written confirmation that these inaccurate addresses have been removed from my report. 
The second issue concerns a late-closed account reported under XXXX XXXXXXXX XXXX account XXXXXXXX XXXX XXXX with a balance of {$0.00} XXXX XXXX The report incorrectly reflects that this account was closed late, which is not accurate. I have consistently made all payments on time and have documentation confirming that the account was in good standing at closure. This false reporting has caused measurable financial harm : it has lowered my credit score, delayed approvals for personal loans and credit card applications, and created difficulty when negotiating interest rates and terms with lenders. The emotional toll has been substantial as well, as I have experienced stress and frustration while attempting to resolve this error, including multiple calls and correspondence with financial institutions to verify the accounts status. Under FCRA Sections 607 ( b ) and 611 ( a ), credit reporting agencies are legally obligated to report accurate and complete information. Reporting this account incorrectly as late is a violation of these provisions and misrepresents my financial responsibility. I request a full reinvestigation and removal of the inaccurate late-closed status, along with written confirmation that the correction has been completed. 
The third issue involves broader reporting inconsistencies and unverifiable information on my credit report. This includes conflicting account information, misapplied balances, and details that can not be verified with supporting documentation. Such errors violate FCRA Section 623 ( a ), which requires furnishers of information to ensure accuracy, completeness, and verifiability in all reporting. These inaccuracies have caused tangible impacts in my life, including higher interest rates on loans, repeated credit denials, and delays in securing necessary financial products. They have also imposed an emotional and practical burden, as I have had to spend countless hours monitoring my reports, filing disputes, and verifying information to protect my identity and financial integrity. The continued presence of unverifiable or inaccurate information misrepresents my creditworthiness and creates unnecessary obstacles in my financial and personal life. I request a thorough investigation into all such discrepancies, correction or removal of unverifiable information, and written confirmation of the actions taken to ensure my credit report accurately reflects my financial history.

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