Consumer complaint received 2025-10-01 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 with the Consumer Financial Protection Bureau ( CFPB ) to formally dispute multiple inaccurate and unverifiable entries on my credit report that violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I request full reinvestigation, correction, or deletion of the listed items. 

Address XXXX XXXX XXXX XXXX XXXXXXXX This address is incorrectly listed and I have no connection to this property. Reporting an incorrect address violates FCRA Section 609 ( a ) ( 1 ), which grants me the right to request verification of all reported information. I have never lived here, received mail here, or held any financial account associated with this property. Its presence misrepresents my residency history to creditors. Incorrect addresses can cause identity confusion and potential fraud. Previous disputes regarding this address were ignored, which violates FCRA Section 611 ( a ). Reporting this address harms my credibility and could lead to wrongful credit decisions. Immediate deletion is required to maintain accuracy. This address is unverifiable and should be removed. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported with late payments that I never made. Under FCRA Section 611 ( a ), I am entitled to accurate reporting, and the bureau must correct or delete inaccurate information. I never missed payments on this account, and all statements show timely payments. This inaccurate reporting has caused unjust harm to my credit score and misrepresented my financial responsibility. I have requested verification in prior disputes, but the errors remain uncorrected. These false entries could lead to higher interest rates and denial of credit. The reporting of late payments without verification violates FCRA Sections 607 ( b ) and 623 ( a ) ( 8 ). I request immediate deletion of these inaccurate entries. Continued reporting without verification is a violation of my rights. This accounts false reporting affects my ability to secure loans. All data associated with this account should be verified, and until verification is provided, these late payments must be removed. I demand written confirmation of the reinvestigation results. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$890.00} Reported late payments are inaccurate. I never missed payments and dispute this under FCRA Sections 607 ( b ) and 611 ( a ). Statements and account history confirm timely payments. This false reporting has caused financial harm, including misrepresentation to lenders and potential credit denials. Prior disputes were ignored, indicating failure to comply with FCRA mandates. Continued reporting of unverifiable late payments is a violation of my consumer rights. I demand correction or deletion until verified. These inaccurate entries affect my credit score and financial opportunities. Reporting false late payments is damaging and unacceptable. All information must be verified. I expect immediate removal of any entries that can not be verified. 

XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX XXXX XXXX : {$550.00} Charge-off status is reported incorrectly. I dispute the legitimacy of this charge-off and request verification under FCRA Section 611 ( a ). I never received notice of default or charge-off. Reporting this status without verification is a violation of my rights and misrepresents my financial record. This false entry negatively impacts my credit score and ability to access financial products. Prior dispute attempts were ignored, violating FCRA mandates. All data must be validated before reporting. I demand deletion of the charge-off until verified. Failure to correct this misrepresentation is harmful and unacceptable. Reporting unverified charge-offs is a direct violation. I request written confirmation of deletion or correction. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$24000.00} Late payments reported are false. I have always paid timely, and these entries violate FCRA Sections 607 ( b ) and 611 ( a ) because they are inaccurate and unverified. Account statements confirm timely payments. These false reports harm my creditworthiness and misrepresent my financial responsibility. Prior disputes have been ignored. The data furnisher must verify all entries before reporting. Any unverifiable entries must be deleted. These false late payments create unfair barriers to future lending. I demand immediate correction or deletion. Misreporting late payments is a violation of my rights under FCRA. I expect written proof of reinvestigation results. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$2400.00} Reported late payments are inaccurate. Under FCRA Section 611 ( a ), I request reinvestigation as I never defaulted. Statements show timely payments. False reporting negatively impacts my credit score. Prior dispute attempts were ignored, violating FCRA. Unverified entries must be deleted. Reporting these late payments without verification is misleading and harmful. I demand deletion of all inaccurate entries. Continued false reporting is unacceptable. I expect immediate correction. I request written confirmation of the reinvestigation results. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$800.00} This collection entry is disputed. I have no knowledge of this debt, and its reporting violates FCRA Sections 607 ( b ) and 611 ( a ). No documentation links me to this account. Reporting this collection harms my credit score and credibility. Prior reinvestigation requests were ignored. Unverified collections must be removed. Reporting without validation is a direct FCRA violation. I demand deletion until verification is provided. Failure to correct this entry is unacceptable. I expect written confirmation of deletion or correction. Continued reporting is unlawful. 

Inquiry XXXX XX/XX/XXXX I did not authorize this inquiry. Reporting it violates FCRA Section 604 ( a ). No application or consent exists. Unauthorized inquiries misrepresent my credit behavior and impact my financial opportunities. Prior disputes regarding this inquiry were ignored. This entry must be deleted immediately. Reporting without authorization is illegal. I demand removal and expect written confirmation. Continued presence of this inquiry is a violation of FCRA. 

I certify that all the above information is true to the best of my knowledge. Each account and inquiry listed is inaccurate, unverified, and in violation of federal consumer protection laws. I demand that the CFPB direct the reporting entities to fully investigate, correct, or delete all inaccurate entries and unauthorized inquiries. I reserve the right to take further legal action if these violations are not resolved promptly and in full compliance with the FCRA and FDCPA.

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