Consumer complaint received 2025-09-10 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: TN

Complaint narrative:
I am submitting this complaint to the CFPB to address serious inaccuracies on my credit report that have no basis in fact, including unauthorized charge-offs and a false address. Under the FCRA, reporting agencies and creditors must maintain complete, accurate, and verifiable information. The continued reporting of these items has caused significant financial, emotional, and legal harm. I request immediate CFPB oversight to enforce full reinvestigation, correction, or deletion of all disputed items and to ensure accountability of all responsible parties. 

ADDRESSES XXXX XXXX XX/XX/XXXXXXXX This address is not mine and should never have been attached to my file. I have never lived here, never used it for employment, and never authorized it to be connected to my personal records. Reporting addresses that do not belong to me creates the appearance of mixed files, which is a violation of FCRA 607 ( b ) regarding maximum possible accuracy. False addresses can also expose me to identity theft risks and misrepresentation of my history. I demand that this address be permanently removed from my file. 

XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX I have no personal or financial connection to this XXXX address and it should not appear on my credit report. It is misleading and harmful to have an address tied to me that I never lived at or used. Allowing false data to remain violates the requirement of accuracy under the FCRA and creates confusion for lenders reviewing my profile. This entry represents a clear error that must be corrected immediately. I request that this address be deleted from my records without delay. 

XXXX DeptedXX/XX/XXXX AccountXX/XX/XXXXDate Opened XX/XX/XXXX Balance {$6900.00} This account is reporting late payments that are inaccurate and unverified. Despite my first dispute, no documentation has been supplied to prove the accuracy of these late payments. Under FCRA 611, credit bureaus must remove unverifiable information from a consumers report. By continuing to report late payments without furnishing original signed documents or payment history, you are violating federal law and misrepresenting my financial history. These late payment claims damage my creditworthiness by suggesting delinquency where none exists. They mislead potential lenders and creditors who rely on this report for decision making. The FCRA requires accuracy and fairness, but keeping unverifiable derogatory data is both negligent and unlawful. This account should either be corrected with full documentation or permanently removed from my file. If the information can not be 100 % validated with original source records, then the bureau has no legal authority to keep it. I demand a thorough reinvestigation and deletion of this account if validation is not possible. 

DeptedXX/XX/XXXXAccount XX/XX/XXXX Date Opened XX/XX/XXXX Balance {$4000.00} This second account is also reporting inaccurate late payments. I previously challenged this information, yet you failed to provide any validation or supporting documentation. According to the FCRA, when a consumer disputes an item, the bureau must verify it with reliable evidence from the furnisher or delete it entirely. No such evidence has been provided, which means the continued reporting of this account is a violation of my rights. These late payment notations harm my credit by creating the false appearance of poor payment history. They lower my score, limit my financial opportunities, and mislead anyone reviewing my credit report. Under FCRA 609 and 611, I have the right to request verification, and the bureau has a duty to ensure accuracy. Without full proof from the original creditor showing I was late, this entry can not be legally reported. Keeping unverifiable late payments on my file is unlawful, misleading, and damaging. I demand a full reinvestigation, and if you can not validate with complete records, this account must be deleted from my credit report immediately. 

INQUIRIESXX/XX/XXXXXX/XX/XXXX This inquiry was not authorized by me, and no permissible purpose exists under FCRA 604 to justify its presence. Every hard inquiry lowers my score, damages my creditworthiness, and makes it appear that I am constantly seeking new credit, which is misleading. I never gave written authorization or applied for any credit connected with this entity. Keeping unauthorized inquiries on my report violates the law and must be corrected immediately. 

XXXX XXXX XX/XX/XXXX This inquiry is inaccurate and remains without my permission. I did not apply for this account or authorize the lender to access my credit. Allowing this inquiry to remain falsely portrays my financial behavior and suggests credit-seeking activity that never occurred. Under the FCRA, a bureau can not keep inquiries that are unverifiable or unauthorized. I request deletion without delay. 

I request the CFPBs immediate oversight to guarantee that all disputed accounts and incorrect addresses are reinvestigated, verified, and corrected or deleted in accordance with FCRA requirements. The continued reporting of false information has caused substantial financial and personal harm. I request written documentation confirming all corrective actions taken.

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