Consumer complaint received 2025-10-18 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: NV

Complaint narrative:
This is a formal complaint regarding inaccurate, incomplete, and unverified information being reported on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and other federal laws. I have made prior disputes to the consumer reporting agencies regarding these items, but they have failed to conduct a proper reinvestigation as required by law. I am requesting your office to take immediate action to ensure that all inaccurate and unverifiable information is permanently deleted from my report. These errors are negatively affecting my creditworthiness, causing emotional distress, financial harm, and reputational damage. I am providing details below for each disputed item. 

ADDRESSES XXXX XXXX XXXX XXXX, NV XXXX This address is incorrect and should not be linked to my profile. I have never lived, worked, or received mail at this location. Reporting them connects me falsely to unrelated activity and creates misleading associations, violating FCRA Section XXXX ( B ), which mandates reasonable procedures to assure accuracy. The continued listing of false address reflects negligent data handling and possible mixed-file errors. I demand immediate deletion of this address and verification documentation showing who furnished them and on what basis. 

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment This account inaccurately reports a late payment even though the balance is {$0.00}, which is logically inconsistent and unverifiable. Under FCRA Section 602 ( A ) and Section 607 ( B ), credit reporting agencies must ensure the maximum accuracy of consumer data. Reporting a late payment on a closed or zero-balance account indicates improper verification and damages my payment history unjustly. I have repeatedly requested validation and none has been provided, violating Section 611 ( A ), which requires deletion of any data that can not be verified through documented proof. This inaccuracy negatively impacts my creditworthiness, and I demand immediate correction or deletion. 

INQUIRIES XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries were unauthorized and appear without my written consent or permissible purpose under FCRA Section 604 ( A ) ( 2 ). I have never applied for credit, services, or employment with these companies on the dates listed. Their presence on my file suggests unlawful access to my personal data and constitutes a violation of my privacy rights under the FCRA. Each bureau must verify the permissible purpose and provide written evidence showing that I authorized these inquiries. If such proof can not be produced, these inquiries must be deleted immediately in accordance with Section 611 ( A ) of the FCRA.

I certify that the information provided in this complaint is accurate to the best of my knowledge. I am requesting full correction, reinvestigation, and permanent deletion of all inaccurate data from my credit file as required under FCRA 602, 607 ( b ), and 611.

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