Consumer complaint received 2025-10-02 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: WA

Complaint narrative:
I am submitting this complaint to the CFPB regarding multiple inaccuracies and errors on my credit report, including incorrect addresses, unauthorized inquiries, and late payment reporting. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) which requires that all information reported to credit bureaus be complete, accurate, and verifiable. I request a thorough investigation and correction of all inaccurate information listed below to ensure my credit report accurately reflects my true credit history. 

Address XXXX XXXX XXXX, WA XXXX I have never resided at this address. Its inclusion is a material inaccuracy that misrepresents my residence history. FCRA 623 ( a ) ( 1 ) ( A ) obligates furnishers to report accurate information. This repeated inaccuracy creates a misleading credit profile that can negatively affect my creditworthiness. No documentation has been provided proving my association with this property. The continued reporting of this incorrect address demonstrates a failure to follow FCRA 611 ( a ) reinvestigation procedures. I have submitted prior disputes detailing that this address is unrelated to me. Reporting this inaccuracy exposes me to potential financial harm, including loan denials and increased scrutiny from lenders. Furnishers have a duty to ensure accuracy, and the credit bureau must remove unverifiable addresses. I request that this entry be deleted and that I receive confirmation of removal. Misreporting addresses also violates the principle of complete and fair reporting under FCRA 609. The inclusion of this false address may trigger unnecessary credit verification steps. Creditors reviewing my file could be misled into believing I have a history of multiple residences or instability. Accurate residential history is critical for proper credit evaluation. I have never received any mail or correspondence at this address. Its presence on my report is factually incorrect. Reinvestigation is required, and deletion is necessary to comply with federal law. 

Address XXXX XXXX XXXX, WA XXXX This address is falsely associated with my credit profile. I have no connection to this property through residence, billing, or employment. FCRA 609 allows me to dispute inaccurate information, and FCRA 611 mandates reinvestigation. Furnishers have provided no evidence to substantiate this address. Its inclusion could negatively influence my credit evaluation and is misleading to potential lenders. Repeated reporting demonstrates a lack of proper verification. I have previously submitted documentation showing no connection to this property. Continued reporting of this address violates my rights under FCRA 611 ( a ) ( 5 ). The inaccuracy can result in unnecessary credit checks, misdirected correspondence, and reputational harm. Verification attempts by the credit bureau have failed to validate this address. Its presence on my credit file misrepresents my residence history. The repeated reporting is negligent and potentially willful. Removing this entry is necessary to maintain the integrity of my credit report. FCRA 623 ( a ) ( 8 ) obligates furnishers to correct false information. I demand deletion and a confirmation of the removal. The presence of this incorrect address is harmful, misleading, and violates my federally protected rights. 

Account XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$0.00} Late Payment * * The reported late payment on this account is inaccurate. I have consistently made timely payments, and there is no evidence to substantiate this delinquency. FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 809 ( b ) require furnishers to report accurate information. No verification has been provided. Reporting this false late payment negatively impacts my creditworthiness and misrepresents my financial responsibility. Repeated disputes have not resolved this inaccuracy. Inclusion of this entry misleads lenders and credit evaluators. It can affect my ability to secure loans or favorable interest rates. Furnishers are obligated to provide documentation of any delinquencies, which has not been done. I request removal of this late payment. Continued reporting is negligent and violates my rights. Deletion is required under FCRA 611 ( a ). Maintaining false payment history is misleading and harmful. Immediate reinvestigation and correction are necessary. Failure to correct could result in further complaints and legal action. I demand confirmation of deletion and proper reinvestigation.

I request the CFPB to investigate all the above items, ensure compliance with FCRA Sections 1681e ( b ), 1681i, and 604 ( a ), and take all necessary steps to correct the inaccuracies on my credit report. I am relying on the CFPB to enforce my rights and ensure that my credit report accurately represents my credit history, protecting me from any further harm caused by these errors.

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