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: CA

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau because my consumer rights have been violated under the Fair Credit Reporting Act and other applicable consumer protection laws. The credit bureaus and furnishers have failed to ensure the maximum possible accuracy of the information they are reporting, and the items below are inaccurate, incomplete, and must be corrected or deleted. I request that the CFPB intervene to ensure compliance with federal law and protect my rights as a consumer. 

XXXX XXXX XXXX XXXX, CA XXXX Address This address is also false and should never have been included. I have no ties to this location and never provided it to any creditor. By reporting it, you are violating FCRA 607 ( b ), which obligates consumer reporting agencies to maintain accuracy and fairness. Keeping this wrong address associates me with potential debts or activity unrelated to me. Such reporting creates confusion and misrepresentation. Under 1681i, once disputed, unverifiable information must be corrected or deleted, yet you have failed to do so. This repeated inaccuracy demonstrates negligence. Allowing this wrong address to remain is reckless and damages my credit profile. The FCRA demands maximum possible accuracy, and this clearly fails that test. If you can not produce original documentation linking me to this address, it must be deleted. Any continued reporting constitutes willful noncompliance with federal law. This false address undermines the integrity of my credit file and must be removed immediately. 

XXXX XXXX XXXX, CA XXXX Address This address is inaccurate, unverifiable, and must be deleted. I have no association with this location. Reporting it violates FCRA 607 ( b ) regarding accuracy and fairness. It also violates 1681i, which requires reinvestigation and deletion of unverifiable information. Keeping this false address creates a misleading impression of my identity. It falsely expands my residency history, damaging the integrity of my file. This can cause creditors to question my stability or link me to accounts that are not mine. Such errors directly harm my creditworthiness. Repeatedly keeping false addresses after disputes constitutes negligent and willful noncompliance. The FCRA demands maximum possible accuracy, yet this address clearly fails. No documentation exists to prove I lived here. By law, unverifiable information must be deleted. Continuing to report it is reckless and unlawful. I demand immediate correction and removal of this address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7200.00} Late Payment * * This account is reported with late payments that are not accurate. I have disputed this before, but you have failed to provide any verifiable proof. Under FCRA 1681i, once a consumer disputes, you are obligated to reinvestigate. Reporting unverifiable late payments violates 607 ( b ), which requires maximum possible accuracy. Without original signed contracts, detailed payment history, and proof from the creditor, you can not continue to report these lates. Duplicate and misleading reporting of student loans is common, but it is unlawful when unverifiable. The FCRA requires deletion of unverifiable entries, not repetition of the same errors. Continuing to report these lates without proof is willful noncompliance. Such entries harm my creditworthiness and cause unjust damage. They give creditors a false impression of my payment history. No creditor has provided evidence to support these claims. The law requires fair and accurate reporting, yet this account is neither fair nor accurate. By keeping these false lates, you are in violation of federal law. I demand immediate deletion of all unverifiable derogatory entries tied to this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4100.00} Late Payment * * This account also reports late payments without proof. Duplicate entries of student loans in multiple variations are unfair and misleading. Reporting the same debt multiple times violates the spirit of FCRA fairness and accuracy. Under 1681i, unverifiable derogatories must be deleted. You can not keep reporting lates without original documentation from the creditor. No signed contracts, no valid proof, and no payment breakdowns have been provided. Reporting unverifiable data is unlawful. Such reporting damages my score unfairly and paints a false picture of my payment history. Keeping duplicate entries is particularly misleading. This entry fails the FCRA requirement of maximum possible accuracy. If you can not prove with complete documentation, it must be deleted. Continuing to report it is reckless and unlawful. I demand removal of this unverifiable, duplicate, and damaging account entry immediately. 

XXXX XXXX XX/XX/XXXX XXXX This inquiry was unauthorized and unlawful. Under FCRA 604, permissible purpose is required for any inquiry. I never gave written consent to XXXX XXXX. Reporting unauthorized inquiries damages my file by lowering my score and falsely showing credit-seeking behavior. No documentation exists that would show I authorized this pull. By law, unverifiable inquiries must be deleted. Reporting this inquiry without permissible purpose is a direct violation of federal law. Such actions are negligent and unfair. Continuing to keep this inquiry after disputes reflects willful noncompliance. The FCRA is clear : without permissible purpose, no inquiry is allowed. I demand immediate deletion of this unauthorized inquiry. 

I request that the CFPB investigate these violations immediately, compel the credit bureaus and furnishers to provide proper verification or delete the disputed information, and ensure that my rights under the Fair Credit Reporting Act are upheld.

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