Consumer complaint received 2025-12-18 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: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate information being reported on my TransUnion credit report that has not been properly addressed. After reviewing my credit file, I identified multiple reporting errors that do not reflect accurate, complete, or verifiable information, and I am requesting regulatory review to ensure compliance with the Fair Credit Reporting Act. 
First, TransUnion is reporting the address XXXX XXXX XXXX, XXXX, FL XXXX on my credit file. This address is not mine, I have no knowledge of it, and it has never been associated with me in any capacity. The continued reporting of an address that does not belong to me indicates a failure to maintain reasonable procedures to assure maximum possible accuracy. I am requesting that this address be permanently deleted from my credit file. 
Additionally, TransUnion is reporting multiple student loan accounts under XXXX XXXX with inaccurate late payment history. The account numbered XXXX, opened on XX/XX/XXXX, with a high balance of {$4900.00}, is showing late payments that do not accurately reflect my true payment history. I am disputing only the incorrect late payment reporting and requesting that this account be corrected to reflect accurate information. 
The XXXX XXXX account XXXX, opened on XX/XX/XXXX, with a high balance of {$3400.00}, is also reporting late payments inaccurately. This information is not correct, and I am requesting a proper reinvestigation and correction of the late payment history. 
Another XXXX XXXX account, XXXX, opened on XX/XX/XXXX, with a high balance of {$3500.00}, contains late payment entries that are inaccurate. I am disputing only the late payment history and requesting correction based on verified records. 
The XXXX XXXX account XXXX, opened on XX/XX/XXXX, with a high balance of {$2900.00}, is likewise reporting late payments that are not accurate. This reporting should be corrected following a lawful reinvestigation. 
There is also an XXXX XXXX account XXXX, opened on XX/XX/XXXX, with a high balance of {$1400.00}, reporting inaccurate late payments. I am disputing the accuracy of this late payment history and requesting that it be updated to reflect correct information. 
Finally, XXXX XXXX account XXXX, opened on XX/XX/XXXX, with a high balance of {$5900.00}, is reporting late payment information that is inaccurate and not properly verified. I am requesting correction of this late payment history only. 
In addition to the above, there is a collection account being reported by XXXX XXXX account number XXXX, opened on XX/XX/XXXX, with a high balance of {$1100.00}. I have no knowledge of this account, do not recognize it, and it is not mine. This account has not been properly verified and should be deleted if it can not be fully substantiated as accurate and belonging to me. 
Despite my right to accurate credit reporting, these items continue to appear on my credit file, demonstrating a failure to conduct reasonable reinvestigations and ensure accuracy. I am requesting that the CFPB review this matter and require TransUnion and the furnishers involved to either properly correct the inaccurate information or delete any item that can not be fully verified in accordance with the FCRA. I also request written confirmation once these corrections and deletions have been completed.

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