Consumer complaint received 2025-07-28 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:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding multiple accounts, address inaccurately reported on my credit file by creditors and debt collectors. Despite my repeated efforts to dispute these items with the credit reporting agencies, the inaccurate, unverifiable, and misleading information continues to appear on my report, causing serious harm to my creditworthiness and financial stability. I respectfully request the CFPB to intervene, investigate these matters thoroughly, and ensure compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I have outlined each disputed account below with supporting facts and applicable legal violations. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Law/Issue : FCRA 607 ( b ) requires data accuracy. I have never lived or received mail at this address, making this report incorrect. 
Story : This address does not belong to me and its presence suggests identity confusion or mixed file. It misrepresents my residence history and impacts account matching and verification. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Law/Issue : Reporting incorrect address violates FCRA 607 ( b ) and misleads creditors. 
Story : I have no association with this location. Keeping this address on file can mislead underwriters and is an unauthorized inclusion in my report. 

XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$280.00} XXXX XXXX Law/Issue : The late payment conflicts with actual payment history ; violates FCRA 607 ( b ). 
Story : I fulfilled all obligations as agreed. Please investigate the source and timing of this misreporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$120.00} XXXX XXXX Law/Issue : FCRA 611 permits dispute of any unverifiable negative item.

Story : This payment was never late ; the delinquency is being incorrectly reported and negatively affects my record. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$820.00} XXXX XXXX Law/Issue : Chargeoff reporting must be 100 % accurate and verifiable. FCRA 607 ( b ). 
Story : This account was closed with a payment arrangement, not charged off. Reporting is unjust and misleading. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Law/Issue : Late payment report on a zero-balance account raises questions under FCRA 611. 
Story : How can a late payment be reported when the balance is XXXX? This is either outdated or false and needs removal. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$510.00} XXXX XXXX  Law/Issue : Any late payment must be proven with clear records per FCRA 611 ( a ) ( 1 ) ( A ).

Story : I was never notified of a delinquency nor was I late. The credit bureau must confirm its validity or delete the item. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Law/Issue : Charged off while showing no amount due is against FCRA 611 .

Story : This should reflect a paid status, not a chargeoff, especially with zero balance. This is damaging and inaccurate. 

XXXX XX/XX/XXXX Law/Issue : Unverified hard inquiry breaches consumer rights under FCRA 604 . 
Story : I did not apply or consent to this credit pull. Please remove it as an unauthorized access. 

DEPT OF ED XX/XX/XXXX Law/Issue : Requires borrower authorization per FCRA 604. 
Story : I was not seeking any student loan at that time. Please remove the inquiry. 

These accounts, address have significantly harmed my creditworthiness and mental well-being. I respectfully request that the CFPB take immediate action by initiating an investigation, compelling the data furnishers to provide full documentation verifying these debts or instructing the credit bureaus to delete the accounts due to failure to comply with federal consumer protection laws. I am also requesting that all credit bureaus update or delete any inaccurate information resulting from this dispute. I am exercising my rights under the FCRA and FDCPA and seeking the assistance of the CFPB to enforce fair and accurate reporting practices as guaranteed under federal law.

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