Consumer complaint received 2025-12-25 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: TX

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate and unverifiable items appearing on my consumer credit reports. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) and have caused financial harm, credit denials, and ongoing distress. Despite my right to accurate reporting, these items remain uncorrected. 

Address XXXX XXXX, XXXX, TX XXXX I have no knowledge of this address, and it has never been associated with me. 

XXXX XXXX XXXX, XXXX, TX XXXX This address is not mine, and I have no relationship with it. 
Applicable Law : FCRA 609 ( a ) ( 1 ) Right to dispute inaccurate personal information FCRA 611 ( a ) ( 1 ) ( A ) Requirement to conduct a reasonable reinvestigation FCRA 607 ( b ) Maximum possible accuracy Demand : Please delete these addresses immediately as they are inaccurate and can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$150000.00} Date Opened : XX/XX/XXXX Reported Issue : Late Payment I dispute the accuracy and completeness of the late payment history reported on this account. The reporting lacks sufficient detail to establish that the late payments are accurate, timely, and correctly attributed to me.

Applicable Law : FCRA 623 ( a ) ( 1 ) ( A ) Prohibition on reporting inaccurate information FCRA 623 ( a ) ( 2 ) Duty to correct and update information FCRA 611 ( a ) ( 1 ) Verification requirement Demand : If the late payment information can not be fully verified, it must be corrected in accordance with the FCRA. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$180000.00} Date Opened : XX/XX/XXXX Reported Issue : Late Payment I dispute the reported late payments as inaccurate and misleading. The furnisher has failed to demonstrate that the reporting reflects the actual payment history with proper documentation. 
Applicable Law : FCRA 607 ( b ) Accuracy requirement FCRA 623 ( a ) ( 1 ) ( A ) Inaccurate reporting prohibited FCRA 611 ( a ) ( 1 ) ( A ) Reinvestigation obligation Demand : Please correct any inaccurate late payment entries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$660.00} Date Opened : XX/XX/XXXX Reported Issue : Late Payment I dispute the late payment reporting on this account. The information appears incomplete and unsupported, and continued reporting without verification violates federal law.

Applicable Law : FCRA 623 ( a ) ( 1 ) ( B ) Information must not be misleading FCRA 623 ( a ) ( 2 ) Duty to update and correct FCRA 611 ( a ) Verification requirement Demand : If verification can not be produced, the late payment history must be updated or corrected. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$32000.00} Date Opened : XX/XX/XXXX Reported Issue : Late Payment I dispute the accuracy of the late payment history being reported. The account history does not sufficiently support the negative reporting being attributed to me. 
Applicable Law : FCRA XXXX ( b ) Maximum possible accuracy FCRA XXXX ( a ) ( XXXX ) ( A ) Inaccurate information prohibition FCRA XXXX ( a ) ( XXXX ) Reasonable reinvestigation Demand : Please correct any inaccurate reporting or update unverifiable late payment entries. 

Inquiry XXXX XXXX Inquiry Date : XX/XX/XXXX I have no knowledge of this inquiry and did not authorize XXXX CARD to access my credit file. 
Applicable Law : FCRA XXXX ( a ) Permissible purpose requirement FCRA XXXX ( a ) ( XXXX ) Reinvestigation of disputed items FCRA XXXX ( a ) Credit reports XXXX only be furnished for lawful purposes Demand : If you can not provide proof of a permissible purpose, this inquiry must be deleted immediately. 

I request immediate deletion or correction of all inaccurate and unverifiable information, removal of the unauthorized inquiry, and full compliance with the FCRA. If unresolved, I reserve the right to pursue further legal remedies.

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