Consumer complaint received 2025-08-09 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 submitting this complaint regarding inaccurate and unauthorized information being reported on my credit file. The following addresses, inquiries, and account details are being reported in error. These items are harming my creditworthiness, causing financial and emotional distress, and are in violation of federal consumer protection laws. I have already contacted the credit bureaus regarding these inaccuracies, but they have failed to properly investigate and correct the errors. I am now seeking the CFPBs assistance in ensuring my rights are protected under the law and that these items are removed immediately. 
ADDRESS XXXX XXXX XXXX XXXX XXXX, CA XXXX Law : FCRA 609 ( a ) Right to Full Disclosure ; FCRA 611 Duty to Reinvestigate Issue : This address is inaccurate and not associated with me ; it may be the result of a mixed file or reporting error Story : I have never lived at or received mail at this address ; it is likely linked to another consumers file, and continued reporting can lead to identity confusion and wrongful account association ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$450.00} Late Payment Law : FCRA 607 ( b ) Maximum Possible Accuracy ; FCRA 611 Duty to Reinvestigate Issue : Reported late payment is inaccurate and unverifiable Story : I dispute the accuracy of the late payment reporting as my payment records do not match the alleged delinquency ; the creditor has failed to provide proper documentation proving the validity of this reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$380.00} Late Payment Law : FCRA 607 ( b ) Maximum Possible Accuracy ; FCRA 611 Duty to Reinvestigate Issue : Late payment history is inaccurate and has not been validated Story : I have maintained timely payments on this account, and the current reporting is damaging my credit ; the original creditor has not supplied verifiable proof of the delinquency despite prior requests XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$640.00} Late Payment Law : FCRA 607 ( b ) Maximum Possible Accuracy ; FCRA 611 Duty to Reinvestigate Issue : Reported late payment is unverifiable and inconsistent with my records Story : I dispute the accuracy of this claim as I have evidence of on-time payments ; the continued reporting of false delinquencies violates my rights under the FCRA INQUIRY XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Law : FCRA 604 Permissible Purpose ; FCRA 611 Duty to Reinvestigate Issue : Inquiry made without proper authorization Story : I have no relationship or application with this credit union ; the inquiry is harming my credit profile without a legal basis INQUIRY XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 Permissible Purpose ; FCRA 611 Duty to Reinvestigate Issue : Inaccurate hard inquiry Story : I did not request any product from this entity ; this pull is a violation of my consumer rights under the FCRA INQUIRY XXXX XX/XX/XXXX Law : FCRA 604 Permissible Purpose ; FCRA 611 Duty to Reinvestigate Issue : Inquiry without consumer consent Story : I have no association with this entity, and the hard inquiry must be removed immediately as it is unauthorized The above addresses and inquiries are being wrongfully reported, causing me significant harm. They are lowering my credit score, damaging my ability to obtain fair credit, and creating the impression that I am linked to fraudulent activity or other individuals ' credit histories. These are clear violations of my rights under the FCRA, as the credit bureaus and furnishers are obligated to ensure accuracy and completeness of reported information. I have already disputed these inaccuracies directly with the credit bureaus, providing them with detailed evidence proving these items do not belong to me. However, they have willfully ignored their duty to conduct a reasonable investigation and have instead continued to publish false and harmful data on my credit report. This behavior shows a reckless disregard for the law and my consumer rights. I am requesting that the CFPB compel the credit bureaus and furnishers to immediately remove these inaccurate addresses and unauthorized inquiries, and to confirm the permanent deletion in writing. Additionally, I am requesting an investigation into the practices of the credit bureaus and furnishers involved to ensure they implement proper verification procedures moving forward.

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