Consumer complaint received 2025-10-30 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: NY

Complaint narrative:
I am submitting this complaint against multiple furnishers and credit reporting agencies for reporting false, inaccurate, and unverifiable information on my credit file. Despite my consistent efforts to maintain good credit standing, several accounts and addresses are being reported incorrectly, violating my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
The listed items below are not accurate, and their continued reporting has caused me emotional distress, financial hardship, and reputational damage. I have never lived at the reported wrong addresses, and many of these accounts are either not mine, duplicated, or contain false payment information. I am requesting the CFPB to investigate these violations and ensure full deletion or correction of these items as required by federal law. 
Incorrect Address Reporting ( Violation of FCRA 607 ( b ) ) Your agency is currently reporting the following addresses which do not belong to me and have no connection to my verified residential history. These false addresses must be immediately deleted to prevent continued association with fraudulent or mistaken data : XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX Wrong Address XXXX XXXX XXXX XXXX, NY XXXX Wrong Address Reporting inaccurate addresses is a direct violation of FCRA 607 ( b ), which mandates consumer reporting agencies to maintain maximum possible accuracy in all information reported. These addresses are completely unrelated to me, and I have never resided or received mail there. Their continued presence on my report creates false identity associations and potential risk of mixed or fraudulent credit activity. 
Disputed Accounts ( Violation of FCRA 611 and 623 ) XXXX XXXX XXXXXXXX * Date Opened : XX/XX/XXXX | Balance Owed : {$500.00} | Issue : Late Payment This account is being falsely reported as having late payments. I have always made timely payments to this creditor and have never been late. Reporting an incorrect payment history damages my creditworthiness and violates FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( A ), which require furnishers to report accurate and verifiable data. I demand correction of the payment history to reflect an on-time record. 
XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$1600.00} | Issue : Charge Off I have no knowledge of this account and have never entered into any credit agreement with MACYS/CBNA. This reporting is completely inaccurate and unverified. As per FCRA 609 ( a ) ( 1 ) ( A ), I am requesting all documentation used to verify the validity of this account, including the signed application and payment records. If the creditor can not prove this account legitimately belongs to me, it must be deleted immediately. 
XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$4400.00} | Issue : Late Payment This account is being inaccurately reported with late payments. I have consistently maintained timely payments, and there has been no delinquency. Reporting false payment information constitutes defamation of credit under FCRA 623 ( a ) ( 1 ) ( A ) and intentional negligence in verifying accuracy. I demand full correction of the payment history to reflect that I have never been late. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$5600.00} | Issue : Collection This appears to be a duplicate or erroneous listing of the same account mentioned above. Duplicate reporting is misleading, unfair, and artificially damages my credit score. I demand immediate deletion of all duplicate or unverifiable collection listings in accordance with FCRA XXXX ( b ). 
XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$2700.00} | Issue : Collection I have no connection or knowledge of this debt, and no communication or validation has been made by this collection company. Under FDCPA 809 ( b ) and FCRA 611, any unverifiable debt must be deleted from the credit file. I demand immediate investigation and removal of this account.

FCRA & FDCPA Violations Identified : FCRA 607 ( b ) : Failure to maintain maximum accuracy of information.

FCRA 611 ( a ) : Failure to reinvestigate disputed information properly.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing information known to be inaccurate.

FDCPA 809 ( a ) - ( b ) : Failure to validate alleged debts before reporting or collecting.

FCRA 616 & 617 : Willful and negligent noncompliance. 
Requested Resolution : 1. Immediate investigation and deletion/correction of all inaccurate and unverifiable items listed.

2. Written confirmation of all deleted or corrected items from each credit reporting agency.

3. Assurance that all furnishers involved will be held accountable for failing to maintain accurate records.

4. Oversight by CFPB to ensure compliance with FCRA and FDCPA regulations to prevent further consumer harm. 
Impact on Me : Due to these false reports, I have suffered repeated credit denials, emotional distress, and financial setbacks. My credit reputation has been damaged by inaccurate reporting, causing unnecessary hardship. I seek CFPBs intervention to compel full compliance and hold the furnishers and bureaus accountable for these repeated violations. 
Attachments ( if applicable ) : Copy of my government ID Proof of my current address Recent credit report highlighting disputed items Prior dispute letters ( if any )

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 explanation