Consumer complaint received 2025-10-20 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: NC

Complaint narrative:
I am filing this complaint to formally report the continuous inaccurate and unauthorized information being reported on my consumer credit profile. I have noticed that multiple addresses and accounts appearing on my credit reports are false, outdated, or reported in violation of my consumer rights under federal law. These inaccurate items are causing me significant distress and are preventing me from maintaining fair access to credit as provided under the Fair Credit Reporting Act ( FCRA ). 

ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX SUN XXXX, CA XXXX These addresses are being reported incorrectly and are not my current nor verifiable residential addresses. Reporting outdated or mixed addresses violates FCRA 607 ( B ), which requires credit bureaus to maintain accuracy and relevance of consumer data. The inclusion of these addresses creates confusion and the possibility of account commingling with other individuals information, which is a violation of FCRA 602A regarding fairness and accuracy in reporting. I demand that these addresses be removed immediately from my file. 

ACCOUNTS XXXX XXXXXXXX Account # XXXX Opened XXXX XXXX, XXXX Balance {$710.00} Late Payment This account is reporting late payments that are not accurate and not supported by verifiable records. According to FCRA 611 ( a ), any information disputed by the consumer must be reinvestigated and verified through documented proof from the furnisher. If the furnisher can not provide original signed agreements and payment records proving the alleged delinquency, this account must be removed. Reporting unverifiable or incomplete payment data violates FCRA 607 ( B ) and the accuracy standard under 602A. The continuous presence of this inaccurate payment history has directly impacted my credit profile and caused unjustified harm. 

XXXX Account # XXXX Opened XX/XX/XXXX Balance {$100.00} Late Payment This account contains inaccurate late payment entries that can not be validated. The creditor has failed to provide original documentation showing the date of delinquency or verified billing statements. The FCRA 611 and 623 require furnishers to report accurate data and to delete unverifiable items after reinvestigation. Continued reporting of unverifiable late payments violates my consumer rights under federal law and misrepresents my payment history. 

XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$0.00} Late Payment This account is reflecting outdated late payment data even though the account shows a zero balance and has been closed for years. Keeping obsolete negative information longer than the permitted time frame violates FCRA 605 ( a ), which limits reporting of adverse data beyond seven years. This account must be reviewed for accuracy and removed if no verified documentation supports its current status. 

XXXX Account # XXXX Opened XXXX XXXX, XXXX Balance {$0.00} Charge-Off The charge-off status being reported is inaccurate and misleading. Under FCRA 607 ( B ), furnishers are obligated to maintain complete and up-to-date data. If this account was paid or settled, reporting it as charged-off without updated status constitutes a violation of accuracy requirements under federal law. Unless the furnisher can provide original payment records and proof of charge-off authorization, this entry should be permanently deleted from my report. 

SYNCB/OLDNAV Account # XXXX Opened XXXX XXXX, XXXX Balance {$0.00} Late Payment This accounts late payment entries appear inconsistent with my actual payment history. No verifiable documentation has been provided proving the accuracy of these reported delinquencies. Under FCRA 611 ( a ) and 623 ( a ) ( 1 ) ( A ), inaccurate or unverifiable data must be promptly corrected or deleted. The continued reporting of this account without verified accuracy is a violation of federal credit reporting standards and must be removed immediately. 



INQUIRY XXXX Date : XX/XX/XXXX This inquiry was not authorized by me. According to FCRA 604 ( a ) ( 2 ) and 609 ( a ) ( 1 ), a consumer reporting agency may only release a credit report for permissible purposes and must verify consent for any hard inquiry. If no proof of authorization with my signed consent can be provided, this inquiry must be deleted immediately to prevent ongoing harm and unauthorized access to my personal credit information. 

I am requesting the Consumer Financial Protection Bureau to investigate these matters urgently and ensure that the credit reporting agencies and furnishers comply with the Fair Credit Reporting Act. I demand deletion of the inaccurate addresses, removal of the unauthorized inquiry, and correction or removal of the inaccurate account information reported by XXXX XXXX Bank XXXX. These continued violations are damaging my creditworthiness and preventing me from accessing fair financial opportunities. I request that proper enforcement action be taken to hold the responsible entities accountable for noncompliance with the FCRA and that all inaccurate data be permanently deleted from my credit file immediately.

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