Consumer complaint received 2025-06-20 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: MO

Complaint narrative:
I am filing this complaint due to multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) concerning inaccurate, outdated, and incomplete information reported on my credit file. Despite prior disputes and requests for verification, the following accounts and issues remain unresolved and continue to harm my creditworthiness.

Wrong Address Reporting ( Violation of FCRA 602, 607 ( b ) ) XXXX XXXX XXXX XXXX  XXXX, MO XXXX has been incorrectly listed on my credit report. 
I never resided at this address, and it appears to be the result of misidentification or mixed file.

FCRA 607 ( b ) requires credit bureaus to ensure maximum possible accuracy, which has not been followed in this case.

Inaccurate/Negative Accounts Listed : 1. XXXX Acct # : XXXXXXXX XXXX XXXX XXXX  High Balance : {$2400.00} Date Opened : XX/XX/XXXX Status : Collection Violations : FCRA 609 ( a ) ( 1 ), 611 No proper verification of this debt has been provided after my dispute. I have no knowledge of this account. 
2. XXXX XXXX Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$850.00} Date Opened : XX/XX/XXXX Status : Charge Off Violations : FCRA 602 ( a ), FDCPA 807 ( 8 ) This account is being reported without proper investigation or validation. It remains on my credit file despite repeated disputes. 
3. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$310.00} Date Opened : XX/XX/XXXX Status : Late Payments Violations : FCRA 623 ( a ) ( 1 ) ( A ) The furnisher failed to report accurate data. I never received billing or communication regarding this account.

4. XXXX ( XXXX XXXX ) Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$720.00} Date Opened : XX/XX/XXXX Status : Late Payment Violations : FCRA 607 ( b ) Self Financial reported multiple late payments even though I paid on time, and no evidence has been shown to validate the negative information.

5. XXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX XXXX  High Balance : {$260.00} Date Opened : XX/XX/XXXX Status : Late Payment Violations : FCRA 611 I requested verification of this account and its reporting. No documentation was provided.

6. XXXX XXXX XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX High Balance : {$1700.00} Date Opened : XX/XX/XXXX Status : Late Payment Violations : FCRA 623 ( a ) ( 2 ) Inaccurate reporting continues despite requests for correction under dispute procedures.

7. XXXX XXXX  Acct # : XXXX XXXX XXXX XXXX XXXX  High Balance : {$5500.00} Date Opened : XX/XX/XXXX Status : Late Payment Violations : FDCPA 807 I was never properly notified about the reporting of this account, and the delinquency appears to be a reporting error.

Hard Inquiry Without Authorization : Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Violation : FCRA 604 ( a ) I did not authorize this hard inquiry, and no permissible purpose was provided for this pull.

Relief Requested : I am requesting the CFPB to investigate these violations and require the credit bureaus and furnishers to : 1. Immediately delete or correct the above-mentioned inaccurate and unverifiable accounts.

2. Remove the incorrect address from my credit file.

3. Remove unauthorized hard inquiries from my report.

4. Ensure that all future reporting complies strictly with FCRA and FDCPA regulations.

Final Statement : The continuing presence of these inaccurate and unverified entries is causing irreparable harm to my financial and personal well-being. My credit score is being unfairly damaged by information that is outdated, erroneous, or unverifiable. I am exercising my right under the FCRA to demand accuracy and accountability. I request your immediate assistance in investigating and resolving these matters.

Thank you for your attention and action.

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