Consumer complaint received 2025-08-13 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:
b'I am filing this complaint with the Consumer Financial Protection Bureau (CFPB) to dispute inaccurate and incomplete information reported on my credit file that is causing me substantial harm and affecting my ability to access credit fairly. The addresses listed above are incorrect and do not belong to me, which violates my right to accurate credit reporting under the Fair Credit Reporting Act (FCRA)  1681e(b), which requires credit bureaus to maintain maximum possible accuracy in consumer reports. Inclusion of these wrong addresses creates confusion, suggests possible fraud, and lowers my creditworthiness unfairly.\nADDRESSXXXX XXXX XXXX XXXX XXXX XXXX  Wrong Address\nLaw: FCRA  611(a) and  609(a)(1)\nIssue: This address is inaccurately reported and not connected to my identity\nStory: I have never lived at, received mail at, or used this address for any financial account and it creates a false representation of my identityXXXX XXXX XXXX XXXX XXXX XXXX   Wrong Address\nLaw: FCRA  611(a) and  609(a)(1)\nIssue: Address is incorrect and not linked to my profile\nStory: I have no personal, residential, or financial association with this location and its continued presence is misleading and harmful\n\nACCOUNTSXXXX XXXX XXXX  Chargeoff High Balance: $XXXX Date Opened: XXXXLaw: FCRA  611(a),  607(b)\nIssue: Status, balance, and payment history reported are inaccurate and unverifiable\nStory: The furnisher has failed to provide original signed agreements, statements, or supporting records validating this debtXXXX XXXX  Chargeoff High Balance: $XXXX Date Opened: XXXXLaw: FCRA  611(a),  607(b)\nIssue: Reporting includes unverifiable data and possible mixed file errors\nStory: I have no knowledge of this account and no complete validation has been produced from the furnisherXXXX XXXX  Late Payment High Balance: $XXXX Date Opened: XXXXLaw: FCRA  611(a),  607(b)\nIssue: Late payment entry is inaccurate\nStory: My payment records contradict the alleged delinquency date and the furnisher has not proven accuracyXXXX XXXX  Chargeoff High Balance: $XXXX Date Opened: XXXXLaw: FCRA  611(a),  607(b)\nIssue: Chargeoff status is incorrect and unsubstantiated\nStory: No proof of debt ownership or accurate balance calculation has been providedXXXX XXXX XXXX XXXX   Chargeoff High Balance: $XXXX Date Opened: XXXXLaw: FCRA  611(a),  607(b)\nIssue: Balance and account status contain errors\nStory: I have requested but not received proper documentation verifying the legitimacy of this accountXXXX XXXX  Chargeoff High Balance: $XXXX Date Opened: XXXXLaw: FCRA  611(a),  607(b)\nIssue: Reporting contains factual discrepancies\nStory: No signed contract or accurate payment history has been presented to confirm this debt\XXXX XXXX  Chargeoff High Balance: $XXXX  Date Opened: XXXXLaw: FCRA  611(a),  607(b)\nIssue: This account cannot be verified as accurate\nStory: The furnisher has not submitted original account documentation to support this negative reportingXXXX XXXX  Chargeoff High Balance: $XXXX Date Opened: XXXXLaw: FCRA  611(a),  607(b)\nIssue: Inaccurate and incomplete reporting\nStory: No verifiable proof of the alleged debt has been providedXXXX XXXX  Chargeoff High Balance: $XXXX Date Opened: XXXXLaw: FCRA  611(a),  607(b)\nIssue: Account details reported are wrong\nStory: Billing and payment data from my own records do not match the bureaus reportXXXX XXXX  Chargeoff High Balance: $XXXX Date Opened: XXXXLaw: FCRA  611(a),  607(b)\nIssue: The debt is unverified and improperly reported\nStory: The furnisher has not produced legal validation or proof of accuracyXXXX XXXX XXXX  Late Payment High Balance: $XXXX Date Opened: XXXXLaw: FCRA  611(a),  607(b)\nIssue: The late payment entry is inaccurate\nStory: The payment record provided by the furnisher conflicts with my documented on-time paymentsXXXX XXXX XXXX  Chargeoff High Balance: $XXXX Date Opened: XXXXLaw: FCRA  611(a),  607(b)\nIssue: Account status and balance are unverifiable\nStory: No original documentation confirming the alleged delinquency has been provided\XXXX XXXX  Late Payment High Balance: $XXXX Date Opened: XXXXLaw: FCRA  611(a),  607(b)\nIssue: Late payment record is inaccurate\nStory: My records prove timely payments and no delinquency occurredXXXX XXXX  Chargeoff High Balance: $XXXX Date Opened: XXXXLaw: FCRA  611(a),  607(b)\nIssue: Information is incomplete and unverifiable\nStory: No valid proof of debt ownership has been provided by the furnisherXXXX XXXX XXXX  Collection High Balance: $XXXX Date Opened: XXXXLaw: FCRA  611(a),  607(b), FDCPA  809(b)\nIssue: Debt validation not provided\nStory: The collection agency has failed to prove original creditor relationship or accurate balanceXXXX XXXX XXXX  Collection High Balance: $XXXX Date Opened: XXXXLaw: FCRA  611(a),  607(b), FDCPA  809(b)\nIssue: No legal proof of debt validity\nStory: No chain of assignment or signed documentation has been presentedXXXX XXXX XXXX  Collection High Balance: $XXXX Date Opened: XXXXLaw: FCRA  611(a),  607(b), FDCPA  809(b)\nIssue: Inaccurate and unverified debt\nStory: The collector has failed to show legitimate proof of this obligation\nINQUIRY\nDEPT OF ED XXXXLaw: FCRA  604(a)(2)\nIssue: Unauthorized hard inquiry\nStory: I did not apply for any account or authorize any credit pull from the Department of Education and this damages my credit score\n\nI request the Consumer Financial Protection Bureau (CFPB) to investigate these inaccuracies promptly and ensure that all erroneous information is corrected or deleted from my credit file in accordance with federal law. I reserve all rights to take further action if these violations continue, including reporting to the Federal Trade Commission and pursuing legal remedies under the FCRA.'

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