Consumer complaint received 2025-11-21 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 complaint because my consumer report is showing wrong addresses, inaccurate late payments, accounts I do not recognize, collection accounts I have no knowledge of, and an unauthorized inquiry. These errors violate FCRA and FDCPA requirements for accuracy and proper verification. I have disputed these items but the bureaus failed to conduct a proper reinvestigation under FCRA 611 ( a ). 

ADDRESSES XXXXXXXX XXXX XXXX XXXX XXXXXXXX I have never lived at this location and reporting this address is a violation of FCRA 602 ( A ) and 607 ( B ) because it creates a mixed file and shows a lack of maximum accuracy. This wrong address is harming my identity and your continued reporting after notice violates 611 ( A ). 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX This is not and has never been my residence and continuing to associate this address with me after my dispute shows failure to maintain accurate records under 607 ( B ) and failure to reinvestigate under 611 ( A ). 

ACCOUNTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX Balance Owed : {$400.00} I have no knowledge of this charge-off account and never authorized or opened it and reporting this after my first dispute violates FCRA 602 ( A ), 607 ( B ), 611 ( A ), and 623 ( A ) ( 1 ) ( A ). Furnishing unverified negative information is prohibited and must be deleted immediately. 

XXXX XXXX XXXX XXXXXXXX Late Payment Date Opened : XX/XX/XXXX Balance Owed : {$490.00} The late payment history reported is inaccurate because I have never made a late payment on this account and reporting false delinquency violates FCRA 602 ( A ), 607 ( B ), 623 ( A ) ( 1 ) ( A ), and 623 ( B ). Correct the history to show on-time payment and remove all late marks immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance Owed : {$380.00} This late payment reporting is false and unlawful because I have never been late and under FCRA 602 ( A ), 607 ( B ), and 623 ( A ) ( 1 ) ( A ) you must not report inaccurate payment history. Update this account to reflect perfect payment history. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance Owed : {$31000.00} This late payment claim is inaccurate because I have never missed or failed to make any required payment. Under FCRA 607 ( B ), 611 ( A ), and 623 ( A ) ( 1 ) ( A ) you can not report false delinquency and must correct this immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Collection Date Opened : XX/XX/XXXX Balance Owed : {$150.00} I have no knowledge of this collection account and you are reporting an unverified debt in violation of FCRA 602 ( A ), 607 ( B ), 611 ( A ), and 623 ( A ) ( 1 ) ( A ). Delete this account immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Date Opened : XX/XX/XXXX Balance Owed : {$190.00} This is another account I do not recognize and never authorized. Reporting this collection violates FCRA 607 ( B ), 611 ( A ), and 623 ( A ) ( 1 ) ( A ). This must be removed permanently. 

I request CFPB intervention to force a full lawful reinvestigation and delete all unverifiable, inaccurate, or unauthorized items as required by FCRA 611 ( a ) and FDCPA standards.

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