Consumer complaint received 2025-11-24 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 filing this complaint because inaccurate and unverified information is being reported on my credit file in violation of FCRA 602, 603, 607 ( b ), 611 ( a ), and 623 ( a ). I have requested proper verification, yet the furnishers and bureaus continue reporting false late payments and an unauthorized inquiry, causing harm and financial damage. 

ADDRESS XXXX XXXX XXXX, WA XXXX This is not my address and has never belonged to me. Continuing to publish an address not tied to me violates FCRA 607 ( B ) for failure to maintain reasonable procedures to assure maximum possible accuracy and under FCRA 611 you must delete information that can not be verified with concrete documentation. This wrong address is harming me and must be deleted immediately. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$510.00} Late Payment XXXX XXXX The late payment history is inaccurate because I have never made a late payment on this account. Reporting false derogatory payment history violates FCRA 602 ( A ) and 623 ( A ) ( 1 ) ( A ) because furnishers must only report accurate information. I am demanding correction of the late payment history to show all payments as paid on time. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} Late Payment * * This late payment is inaccurate. I have never paid late, and your continued reporting without verified records violates FCRA 607 ( B ), 611, and 623 ( A ) ( 1 ). This requires immediate correction to show the accurate history. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff I have no knowledge of this account and have never opened or authorized it. Any account I have no knowledge of must be removed under FCRA 602 ( A ), 611, and 623 because unverifiable accounts can not be reported. This charge-off must be deleted. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * This late payment is false because I have never made any late payments. Under FCRA 623 and 611 this inaccurate derogatory mark must be corrected. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$15000.00} Late Payment * * The late payment history being reported is inaccurate. I have never missed a payment on this account and therefore this violates FCRA 602 ( A ), 607 ( B ), and 623. I request correction of the payment history. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * The late payment is not valid because I have never paid late. This derogatory reporting violates FCRA 605 ( B ), 611, and 623 and must be corrected. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Late Payment * * Inaccurate late payment reporting. I have never paid late. Under FCRA 602 ( A ), 607 ( B ), and 623 this must be corrected immediately. This false derogatory information violates FCRA 607 ( B ), 611, and 623 because you are reporting data that can not be verified with any legitimate record. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} Late Payment * * You have failed to provide any verifiable proof that a late payment ever occurred, which means this negative mark can not legally remain. Any continued reporting without proper documentation violates my rights under federal law and shows a failure to follow reasonable accuracy procedures. This must be corrected immediately to prevent further harm. 

XXXX / XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1600.00} Late Payment * * You have not produced any evidence showing an actual late payment, making this derogatory entry unlawful and unsupported. Keeping unverified negative data on my file violates FCRA requirements for accuracy and proper reinvestigation. This false information must be corrected at once to meet your legal obligations. 
I prefer this response INQUIRY XXXX XXXXXX/XX/XXXX This inquiry was not authorized by me. Under FCRA 604 ( A ) ( 2 ) and 607 you must remove any hard inquiry not initiated by me or not backed by permissible purpose documentation. This must be deleted immediately. 

I request immediate CFPB intervention because these items violate federal law and continue to cause damage through inaccurate and unverified reporting.

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