Consumer complaint received 2025-08-16 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 because my TransUnion credit report contains multiple errors that have not been corrected, despite my right to fair and accurate reporting under the Fair Credit Reporting Act ( FCRA ). These errors include both false personal information and inaccurate account reporting. 

First, TransUnion is showing an address, XXXX XXXX XXXX, XXXX, NY XXXX, that does not belong to me and has never been associated with me. This is highly concerning because it suggests that my credit file may be mixed with another consumers information. Having the wrong address on my file creates a risk of being linked to debts, accounts, or even legal issues that are not mine. It also raises questions about how my data is being handled and whether proper procedures for accuracy are being followed, as required under FCRA 607 ( b ).

In addition to the wrong address, three accounts are being reported inaccurately with late payments : XXXX ( XXXX * *, opened XX/XX/XXXX, balance {$350.00} ) * * is showing late payments that are not correct. I was never late in the way they are reporting, and no proper verification has been provided to support these derogatory marks. This error has lowered my XXXX XXXX and caused me to be denied fair credit opportunities. 

XXXX XXXX ( XXXX * *, opened XX/XX/XXXX, balance {$1800.00} ) * * is also reporting late payments that are inaccurate. During the time they claim I was late, I was disputing billing errors and actively trying to resolve the matter. Despite this, they marked me late without proper verification. This has unfairly damaged my credit history and does not reflect my actual efforts to keep accounts in good standing. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX, opened XX/XX/XXXX, balance {$27000.00} ) * * is reporting me as late even though I was enrolled in a hardship assistance program with the lender. That agreement was meant to protect me from negative reporting during financial hardship, but XXXX XXXX still furnished derogatory information. This is misleading and inaccurate reporting, and it has caused me serious harm, including higher insurance costs and difficulty in securing affordable auto financing. 

These errors have directly affected my financial stability. I have faced denials of credit, higher interest rates, and emotional stress due to inaccurate reporting that paints me as irresponsible when I have acted in good faith. The FCRA clearly states that all reporting must be accurate, complete, and verifiable. In these cases, the creditors and TransUnion have failed to meet those standards. 

I am requesting that the CFPB require TransUnion and the furnishers of these accounts to properly investigate and correct or delete the inaccurate information. If they can not provide verified documentation to support the late payments and false address, the items must be removed from my file. I want my credit report to reflect only accurate and truthful information, as is my right 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 explanation