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:
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. 
DPT EDXXXX XXXX XXXX High Balance : {$1700.00} Date Opened : XX/XX/XXXX Late Payment Law : FCRA 607 ( B ), 611 All late payments must be fully verifiable Issue : Late payment reporting is inaccurate and unverified Story : I dispute the reported delinquency ; without original creditor payment history proof, this record must be removed DPT EDXXXX XXXXXXXX XXXX  High Balance : {$3000.00} Date Opened : XX/XX/XXXX Late Payment Law : FCRA 607 ( B ), 611 Maximum possible accuracy required Issue : Dates and late payment status are incorrect Story : The payment record conflicts with my actual payment history and must be verified with original statements DPT EDXXXX XXXX XXXX  High Balance : {$7000.00} Date Opened : XX/XX/XXXX Late Payment Law : FCRA 607 ( B ), 611 Obligation to maintain accuracy Issue : Reported late payment is not backed by verifiable proof Story : Without proof from the original creditor, this entry must be deleted immediately DPT ED/XXXX  XXXX High Balance : {$5500.00} Date Opened : XX/XX/XXXX Late Payment Law : FCRA 607 ( B ), 611 Must be fully verified Issue : Reported delinquency date is inaccurate Story : The date and payment record do not match my actual account history DPT EDXXXX XXXX High Balance : {$3500.00} Date Opened : XX/XX/XXXX Late Payment Law : FCRA 607 ( B ), 611 Accuracy requirement Issue : Dates and payment status are incorrect Story : No valid proof of delinquency has been provided by the furnisher DPT EDXXXX XXXX XXXX  High Balance : {$6000.00} Date Opened : XX/XX/XXXX Late Payment Law : FCRA 607 ( B ), 611 Accuracy required Issue : The late payment record is unverified Story : The reported negative information is not supported by proper documentation DPT EDXXXX XXXX XXXX  High Balance : {$7000.00} Date Opened : XX/XX/XXXX Late Payment Law : FCRA 607 ( B ), 611 Accuracy required Issue : Inaccurate reporting of late payment Story : The alleged delinquency is unsupported and must be removed DPT EDXXXX XXXXXXXX XXXX XXXX  High Balance : {$5500.00} Date Opened : XX/XX/XXXX Late Payment Law : FCRA 607 ( B ), 611 Accuracy required Issue : No verifiable proof provided Story : Must be deleted due to lack of original payment record DPT ED/XXXX  XXXX High Balance : {$5500.00} Date Opened : XX/XX/XXXX Late Payment Law : FCRA 607 ( B ), 611 Accuracy required Issue : Reporting incorrect late payment Story : Without creditor verification, this record is invalid DPT EDXXXX XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXX Late Payment Law : FCRA 607 ( B ), 611 Accuracy required Issue : Dates and status incorrect Story : The information has not been validated and should be deleted INQUIRY XXXX  Date : XX/XX/XXXX Law : FCRA 604, 607 ( B ) Inquiries must have permissible purpose Issue : No permissible purpose or authorization for this inquiry Story : I did not apply for credit with XXXX  on or near this date ; this inquiry is unauthorized and damaging to my credit profile I 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