Consumer complaint received 2025-09-18 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: SC

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate and misleading entries being reported on my credit file by several creditors and furnishers. These errors are damaging my credit profile and causing me financial harm. I respectfully request the CFPB to investigate and compel the furnishers/credit reporting agencies to correct or remove the following inaccurate information. 

XXXX. Wrong Address Reporting XXXX XXXX, XXXX, XXXX  XXXX This is not and has never been my address. 

XXXX XXXX, XXXX, XXXX  XXXX This is also not my address. 

These addresses are false and are creating confusion, potential risk of identity mix-up, and are misleading to future lenders. 

XXXX. XXXX XXXX XXXX XXXX ( XXXX ) Inaccurate Late Payments Account XXXXXXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ) XXXX XXXX Reported with late payment despite being fully paid and closed. 

Account XXXXXXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ) XXXX XXXX Reported with late payment despite no outstanding balance. 

Account XXXXXXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ) XXXX XXXX Again, inaccurately showing late payment though the account is closed and settled. 

Issue : Reporting late payments on accounts with a {$0.00} balance is misleading, inaccurate, and violates FCRA ( Fair Credit Reporting Act ) 607 ( b ) which requires maximum accuracy in reporting. 

XXXX. XXXX XXXX XXXX Inaccurate Late Payment Account XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ) XXXX XXXX Wrongly reported with late payment despite being satisfied with no balance owed. 

XXXX. XXXX XXXX Inaccurate Reporting Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$130.00} ) XXXX XXXX  Reported with late payment. 

Account XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$10.00} ) XXXX XXXX Reported with late payment. 

Issue : Both accounts reflect disproportionate harm given the extremely low balances ( {$130.00} and {$10.00} ). Reporting late for such accounts without proper validation creates misleading derogatory marks. 

XXXX. XXXX XXXX ( Collection Account ) Account XXXXXXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$7400.00} ) XXXX XXXX Reported as collection without prior notice, validation of debt, or proof of ownership of account. This violates FDCPA 809 ( a ) ( debt validation rights ). 

XXXX. XXXX XXXX Charge Off Account XXXXXXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$500.00} ) XXXX XXXX  Reported as charge-off despite disputed balance and lack of proper validation. 

XXXX. Unfair Credit Inquiries XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries were conducted without my authorization and are causing harm to my credit profile. 

Requested Action Removal of all wrong addresses from my file. 

Deletion or correction of all late payments for closed/ {$0.00} balance accounts. 

Full debt validation for collection and charge-off accounts ; if validation can not be provided, they must be deleted. 

Removal of unauthorized credit inquiries from XXXX XXXX  and XXXX XXXX. 

Assurance that all furnishers update information in compliance with FCRA, FDCPA, and CFPB guidelines.

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