Consumer complaint received 2025-08-23 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, I am filing this complaint because my consumer rights under federal law are being violated through the reporting of false addresses and inaccurate account information on my credit reports. These errors are damaging my financial stability, causing unnecessary stress, and preventing me from accessing fair credit opportunities. 
Issue : Wrong Address Reporting XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; Law : Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Reporting of wrong and unrelated addresses that have no connection to me constitutes a violation of this requirement. Additionally, under FCRA 1681i, I have the right to dispute inaccurate information, and the agencies must conduct a reasonable reinvestigation.

Story : The reporting of these wrong addresses is extremely damaging to me because they create confusion in my identity history, falsely suggest I have lived in places where I have never resided, and expose me to risks of identity theft and fraud. These errors show that the credit reporting agencies have failed in their legal duty to maintain accurate records and failed to verify the true consumer identity. I have never lived at these addresses, never received mail at these addresses, nor do I have any connection to them. By reporting these wrong addresses, the credit bureaus have created a misleading file which lowers my credibility with lenders, employers, and insurance providers. This is a direct violation of my rights under the FCRA and has caused me stress and unnecessary difficulties in my financial life. 
Issue : XXXXXXXX XXXX  XXXX High Balance : {$7700.00} Date Opened : XX/XX/year> Late Payment Law : Under the Fair Credit Reporting Act 1681s-2 ( a ), furnishers of information have a duty to provide accurate information to credit reporting agencies. Additionally, the Equal Credit Opportunity Act ( ECOA ) prohibits unfair and discriminatory reporting practices that can negatively impact a consumers ability to obtain credit. Furthermore, late payment reporting must be accurate, verifiable, and within the allowable reporting period under FCRA 605 ( a ). 
Story : The account listed as XXXXXXXX XXXX  XXXX is being reported with late payments, which I dispute as inaccurate. These late payments are either incorrectly recorded or improperly verified. The credit reporting agencies and the furnisher have not provided me with complete validation of these alleged delinquencies despite my right to request proof under the FCRA. This false reporting of late payments unfairly damages my creditworthiness, prevents me from accessing fair lending opportunities, and causes me emotional and financial harm. The burden of proof lies with the furnisher to provide documentation that substantiates the accuracy of the late payment claims, yet no such documentation has been provided. The continued reporting without verification is a direct violation of my consumer rights under federal law. 
Overall Story and Request : These combined errorsfalse addresses and inaccurate late payment reportingare causing me serious harm, including higher interest rates, loan denials, and emotional distress. They represent direct violations of my rights under the Fair Credit Reporting Act, the Equal Credit Opportunity Act, and related consumer protection laws. I respectfully demand that the CFPB investigate these violations, require the removal of all wrong addresses, delete or correct the XXXX XXXX late payment reporting unless fully verified with documented evidence, and hold both the credit bureaus and the furnisher accountable for failing to comply with federal law. Consumers like myself depend on the CFPB to enforce these laws and ensure a fair, accurate, and transparent credit reporting system.

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