Consumer complaint received 2025-08-18 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: VA

Complaint narrative:
I am submitting this complaint because my credit report contains multiple inaccuracies, duplicate reporting, and unauthorized information that violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. These errors are causing me severe financial harm, including lowered credit scores, denial of credit opportunities, higher interest rates, and damage to my reputation as a consumer. I am requesting the Consumer Financial Protection Bureau to investigate and take enforcement action where necessary to ensure compliance.

The following inaccurate items are appearing on my credit file : XXXX XXXX XXXX, VA XXXX Wrong Address Issue : This is not my current nor past address and should not be linked to my file. 
Law : FCRA 1681e ( b ) requires consumer reporting agencies to assure maximum possible accuracy of information in a credit report.

Story : Linking me to an address where I have never lived is misleading, creates a false identity trail, and increases the risk of fraud. The presence of this incorrect address confuses creditors, damages my credibility, and misrepresents my true residence history. 
XXXX XXXX XXXX XXXXXXXX, TN XXXX Wrong Address Issue : Incorrect address reported. 
Law : Under FCRA 1681i ( a ), consumer reporting agencies must conduct a reasonable reinvestigation of disputed information.

Story : I have never resided at this location, and associating me with it damages the integrity of my credit profile. This type of inaccuracy exposes me to potential fraud, mistaken identity, and denial of financial opportunities. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment Issue : Account showing late payment despite {$0.00} balance. 
Law : FCRA 1681s-2 prohibits reporting inaccurate information by furnishers of data.

Story : It is logically inconsistent and factually inaccurate to show late payments on an account with a {$0.00} balance. This misreporting is misleading creditors into believing I failed my financial obligations when in fact I satisfied the account. Such false late notations unfairly reduce my credit score and cause ongoing financial harm. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment Issue : Same pattern of false late reporting. 
Law : Under FCRA 1681i ( a ), inaccurate account information must be corrected or removed if it can not be verified.

Story : Reporting a late payment history on a closed and fully satisfied account creates an inaccurate and damaging representation of my financial behavior. This entry violates my consumer rights and falsely portrays me as irresponsible, which directly interferes with my ability to obtain fair credit opportunities. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment Issue : Late payment reporting on an account with {$0.00} balance. 
Law : FCRA 1681e ( b ) and 1681s-2 both demand accurate reporting and prohibit misleading data.

Story : This false negative reporting creates a permanent stain on my profile. Such reporting is inaccurate, misleading, and unfairly punitive, especially when the account balance is XXXX. These actions cause me financial stress, denial of approvals, and long-term damage to my reputation as a borrower. 
U.S. Bankruptcy Court Reference XXXX XXXXXXXX Date Filed/Reported XX/XX/XXXX Bankruptcy Issue : Bankruptcy reporting is inaccurate and harmful.

Law : FCRA 1681c ( a ) ( 1 ) limits bankruptcies from being reported after 10 years. Any inaccuracies, duplication, or misreporting of bankruptcy violate FCRA accuracy standards.

Story : This bankruptcy entry continues to damage my profile and is either outdated, misreported, or duplicated. It appears multiple times, compounding harm to my credit. This violates my consumer protection rights and creates an unfair financial burden. 
XXXX  XXXX Inquiry Dated XX/XX/XXXX Issue : Hard inquiry not authorized by me. 
Law : FCRA 1681b only allows credit pulls with permissible purpose.

Story : I did not authorize this inquiry, and its presence lowers my credit score unfairly. Unauthorized inquiries are a direct violation of federal law and must be removed immediately. 
XXXX Inquiry Dated XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : FCRA 1681b prohibits hard pulls without permissible purpose.

Story : I never applied for new credit with this company on the reported date. This inquiry is unauthorized, lowers my score, and falsely suggests I sought credit I did not request.

Consumer Harm : These inaccuracies have caused me significant stress and financial harm. My credit score is unfairly lowered, I have been denied credit opportunities, and I face higher interest rates because of false and duplicate reporting. Wrong addresses also expose me to fraud risk and identity confusion. Duplicate bankruptcies, false late payments, and unauthorized inquiries are clear violations of federal law and consumer protection standards.

Requested Resolution : Immediate reinvestigation and deletion of all inaccurate and unverifiable items listed above.

Removal of all duplicate and unauthorized inquiries.

Elimination of wrong addresses from my file.

Assurance that furnishers and credit reporting agencies comply with the FCRA going forward.

I request that the CFPB hold the reporting agencies and furnishers accountable for willful and negligent violations of the FCRA, and ensure that my credit report is corrected to reflect only accurate and verifiable information.

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