Consumer complaint received 2025-09-03 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:
Consumer Financial Protection Bureau ( CFPB ) is entrusted with ensuring accuracy, fairness, and compliance with consumer reporting laws. I am submitting this formal complaint because my credit report contains false addresses, unauthorized inquiries, and inaccurate information that violates the Fair Credit Reporting Act ( FCRA ). I demand immediate investigation, deletion, and correction of these inaccurate items because they are damaging my creditworthiness and causing ongoing harm. 

Account Disputes XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * It is not legally consistent to report late payments on an account that shows a {$0.00} balance and no open obligation. The FCRA requires reporting agencies to ensure that all derogatory information is fully verified with original records. Without concrete documentation showing that payments were actually late, this reporting is both misleading and harmful. Such inaccuracies cause lenders to unfairly judge my creditworthiness. Furthermore, reporting late payments when no balance exists creates confusion about whether the account was settled or misreported. Since you are obligated under law to maintain only verifiable records, I request immediate deletion of this inaccurate entry. 

XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * This account reflects the same issue : a balance of {$0.00} combined with negative late payment notations. This creates the false impression of delinquency when no active debt remains. According to the FCRA, data furnishers must be able to prove the accuracy of every negative remark. Unless original contracts, statements, and evidence of late activity can be provided, this reporting is unlawful. Continued appearance of this error may also indicate a failure to properly update your records after the account was closed. Such negligence is unacceptable and directly harms my credit profile. This account must either be corrected to show accurate status or removed completely. 

XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * This record contains a glaring inconsistency : it is listed with a future date, which makes it impossible to be accurate. No valid account can exist with a future opening date, which proves this is an error in reporting. Under the FCRA, consumer reporting agencies are prohibited from publishing information that is unverifiable or patently inaccurate. Since no legitimate verification can exist for an account dated in the future, this entry is inherently false and must be removed. Continuing to report this item after it has been flagged as inaccurate would constitute willful non-compliance with the law. 

Inquiry Disputes XXXX XXXXXX/XX/XXXX This inquiry is reported without my authorization. Under the FCRA, inquiries are allowed only for permissible purposes initiated by the consumer. Since I did not apply for any credit with this institution, its appearance on my file is unlawful. This unauthorized inquiry harms my credit profile by lowering my score and misrepresenting my credit-seeking behavior. It must be deleted immediately. 

XXXX XX/XX/XXXX This inquiry is disputed as I never authorized it. The law requires that inquiries appear only when the consumer has applied or given consent. No such consent was provided by me to XXXX XXXX XXXX. This is an example of unauthorized access, which can create lasting harm on my record. Without written proof of my authorization, you are required to remove this inquiry. 

This complaint is being filed because my repeated efforts to correct these issues directly with the credit reporting agency have failed. The listed items are clearly wrong and harmful. I trust CFPB to intervene, enforce the law, and ensure a fair resolution to restore the accuracy of my credit file.

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