Consumer complaint received 2025-11-05 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: NY

Complaint narrative:
Dear CFPB Representative, I am filing this formal complaint regarding multiple inaccurate, unverified, and misleading accounts that are being reported on my credit reports by various furnishers and credit reporting agencies. These accounts contain false late payment notations, charge-offs, unauthorized collections, and inquiries that are not valid. 
Despite my previous dispute attempts with the credit bureaus, these accounts remain improperly reported, in violation of the Fair Credit Reporting Act ( FCRA ) specifically sections 602 ( A ), 607 ( B ), 611, and 623. 
I request the CFPB to conduct an investigation into the following accounts and compel the furnishers and credit bureaus to delete or correct these errors immediately. 
WRONG ADDRESSES ( FCRA 609 & 611 ) The following addresses are incorrect, outdated, or never associated with me in any legitimate manner. I request their immediate removal from my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are not connected to any valid residence, employment, or credit application associated with me. Their continued presence constitutes a violation of FCRA XXXX ( b ), which requires maximum possible accuracy of information reported. 
ACCOUNTS REPORTED IN ERROR OR INCORRECTLY ( FCRA 602, 607 ( b ), 611, 623 ) XXXX XXXX Acct : XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$2200.00} | Issue : Incorrect Late Payment I dispute the late payment status as it is not accurate. I have maintained timely payments on this account. Please correct or remove the delinquency mark immediately. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Issue : Charge Off This account was closed with no outstanding balance, yet it is inaccurately reported as charged off. Please remove or correct this error immediately. 
XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$28000.00} | Issue : Late Payment I have never been late on this account. The reported delinquencies are inaccurate and must be corrected to reflect a perfect payment record. 
XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX | Balance : {$310.00} | Issue : Late Payment I dispute the late payment record on this account. Please correct the entry to reflect accurate payment history, as I have never missed any payment. 
XXXX  XXXX Acct : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$390.00} | Issue : Collection I have never had any collection with this company. Please provide verification or remove the entry immediately in compliance with FCRA 623 ( b ). 
LEGAL BASIS AND REQUEST FOR ACTION The credit reporting agencies and furnishers are in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) : 602 ( A ) : Consumers have the right to fair and accurate credit reporting.

607 ( B ) : Bureaus must assure maximum possible accuracy.

611 : Consumers have the right to dispute inaccurate or unverifiable information and expect results within 30 days.

623 : Furnishers must not report inaccurate or incomplete information and must correct it upon notice.

604 : No one may obtain a consumers credit report without a permissible purpose.

These inaccurate and unauthorized items are severely impacting my credit profile and financial opportunities. I am requesting the CFPB to intervene and ensure the credit bureaus and data furnishers : XXXX. Conduct a full reinvestigation ; XXXX. Provide proof of all alleged accounts, including signed contracts and payment records ; XXXX. Delete any unverifiable, inaccurate, or unauthorized entries immediately ; XXXX. Provide written confirmation of corrective actions taken.

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