Consumer complaint received 2025-08-05 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:
This is a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, unauthorized, and unverifiable entries appearing on my credit report. I am exercising my rights under the FCRA and related consumer protection laws to report serious violations that have caused damage to my credit profile, my financial opportunities, and my personal life. I have already attempted to resolve these matters directly with the credit reporting agencies, but they failed to conduct proper investigations or provide evidence. I am now escalating this to the CFPB for enforcement and action. Below are the specific accounts and inquiries in question. 
ADDRESSES XXXX XXXX XXXX, CA XXXX Wrong Address Law : FCRA 605 ( b ), 609 ( c ) ( 2 ) ( E ), and 611 Issue : This address is being falsely reported as connected to my credit profile Story : I have never lived at, used, or been affiliated with this address for any credit, service, or financial product. This address is completely unrecognized and likely resulted from a mixed file or clerical mistake. Continued reporting of incorrect personal data violates my rights under federal law. I demand immediate deletion of this address from all of my credit records XXXX XXXX XXXX, CA XXXX Wrong Address Law : FCRA 605 ( b ), 609 ( c ) ( 2 ) ( E ), and 611 Issue : This address is inaccurate and has no association with my credit history or residence Story : This address appears to have been incorrectly added to my file. I do not recognize this location, and it does not appear on any official documents tied to my identity. Your agency has not verified this with any credible source. Please remove it immediately as continued reporting misrepresents my credit profile XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Wrong Address Law : FCRA 605 ( b ) & 609 ( c ) ( 2 ) ( E ) Issue : This address does not belong to me and was never associated with any valid accounts under my name Story : This inaccurate address has no connection to my personal history or verified activity. It may have been reported due to a mixed or merged file error. I am requesting immediate deletion of this address from my credit report ACCOUNTS XXXX XXXX XXXX * High Balance : {$15000.00} Date Opened : XX/XX/XXXX Charge Off * * Law : FCRA 611, 623 ( a ) ( 1 ) ( A ), 602 ( a ) Issue : This account is inaccurate and unverifiable ; it reflects a charge-off status that I do not recognize or authorize Story : I previously disputed this account but received no valid documentation or signed agreement verifying the debt or balance. Continued reporting of unverifiable, inaccurate information is a violation of federal law. I request full deletion if the creditor can not validate all details XXXX XXXX XXXX  XXXX * High Balance : {$15000.00} Date Opened : XX/XX/XXXX Late Payment * * Law : FCRA 611, 623 ( a ) ( 1 ) ( B ), 609 ( a ) ( 1 ) Issue : This account reflects late payments which are not supported by complete and accurate payment records Story : I have maintained good-standing payments and received no notices regarding lateness. Your bureau failed to verify the accuracy during the initial investigation. I demand proper validation or immediate correction and removal of the negative remarks INQUIRIES XXXX  XXXX XX/XX/XXXX Duplicate Entry ( see above ) Law : FCRA 604 ( a ) ( 3 ), 615 Issue : Same as above duplicate unauthorized entry must be addressed Story : XXXX  XXXX made multiple pulls on the same date. I dispute both and request complete removal due to lack of consent I am respectfully requesting the Consumer Financial Protection Bureau ( CFPB ) to launch a full investigation into these inaccurate accounts and unauthorized inquiries. If the furnishers or credit bureaus can not provide clear and complete documentation validating these entries, they must be permanently removed from my credit report. I also ask that CFPB ensure these data furnishers and credit bureaus are held accountable for violating consumer protection laws. This complaint is submitted in good faith to seek justice, transparency, and the restoration of my financial reputation.

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