Consumer complaint received 2025-09-03 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:
To Whom It May Concern at the Consumer Financial Protection Bureau, I am filing this complaint regarding multiple inaccuracies and violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. The following items are being reported inaccurately and have caused significant harm to me financially and personally. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address This address is falsely reported on my credit profile. I have never lived at or been associated with this location. Reporting of inaccurate addresses creates confusion, increases the risk of identity theft, and results in the mixing of consumer files in violation of FCRA 607 ( b ). Because of this false address, lenders have questioned my identity and denied me approvals, assuming my file is connected to fraud or someone elses record. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address This address is also incorrect and has no connection to me. Its presence on my credit file creates the false impression that I am financially tied to locations where I never resided. The credit reporting agencies are responsible under FCRA 609 and 611 to verify and remove unverifiable or inaccurate personal information. The continued reporting of this wrong address has delayed employment opportunities since background checks pull incorrect data, leaving me in a humiliating position. 
XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$13000.00} Date Opened : XX/XX/XXXX Late Payment This account is reporting late payments inaccurately. I dispute the completeness and accuracy of this reporting. FCRA 602 and 623 require furnishers to provide accurate, fair, and fully verified data. The alleged late payments are not verified, and this derogatory reporting does not reflect my actual history. These negative marks have caused me denials on vehicle financing and credit cards, forcing me to rely on predatory loans with much higher interest rates. This has put me in a financial trap, making it difficult to support my family and manage my obligations. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$620.00} Date Opened : XX/XX/XXXX Collection This is a duplicate entry of the above account which further damages my credit. Reporting the same alleged debt multiple times is misleading and violates FCRA 607 ( b ) and FDCPA 807 which prohibit false and deceptive representations. XXXX XXXX must delete this duplicate entry immediately as it inflates derogatory marks and portrays me as more irresponsible than reality. The duplicate listing caused me to lose out on a mortgage pre-approval since my report appeared riskier due to multiple derogatories that stemmed from a single alleged account. 
IMPACT STATEMENT / HARDSHIP Because of these false addresses, inaccurate late payments, and unlawful duplicate collections, I have suffered : Denial of credit cards and auto loans Higher interest rates on approved accounts costing me thousands of dollars Denial of rental housing and mortgage opportunities Employment barriers, as employers view my file as risky due to these errors Severe emotional distress, anxiety, and financial instability The credit reporting agencies and furnishers have failed to uphold their legal duty to report accurate information and conduct reasonable investigations. 
DEMAND FOR RELIEF Immediate deletion of the wrong addresses ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX ) Correction or deletion of the inaccurate XXXX XXXX late payment account Full removal of the XXXX XXXX collection accounts, including the duplicate entry Written documentation of all investigation methods and verification sources used Assurance that these errors will not reappear on my credit report If these violations are not corrected, I will consider further legal action and seek damages under FCRA 616 and 617.

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