Consumer complaint received 2025-09-10 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 submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) to formally dispute multiple inaccurate addresses and account information appearing on my credit report, which are causing significant harm to my creditworthiness. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that credit reporting agencies maintain accurate and complete information. Under FCRA 1681i, I have the right to dispute inaccurate information and require reinvestigation of any disputed item. The CFPB has the authority to ensure that these violations are corrected and that my rights under federal law are fully enforced. 

Address Disputes XXXX XXXX XXXX XXXX, CA XXXX This address does not and has never belonged to me. I have no lease, mortgage, utility bill, or identification connecting me to this property. Under FCRA 607 ( b ), the credit bureau is required to maintain only accurate and verifiable identifying information. Keeping this address in my file creates confusion about my identity, which can impact creditworthiness and create fraudulent associations. Since no original documentation can be provided by any data furnisher, continuing to attach this address violates FCRA 611, which requires unverifiable data to be deleted. I demand permanent removal. 

XXXX XXXX XXXX XXXX, CA XXXX This address is not mine, and keeping it in my file violates federal law. I have never resided there, nor have I conducted any financial activities connected to this property. By continuing to list it, the bureau is misrepresenting my personal identifying information, which goes against the FCRAs mandate of maximum possible accuracy. Inaccurate addresses open the door to mistaken identity, fraud, and unfair credit denials. Since no creditor or lender can supply legitimate proof tying me to this property, it must be removed. This is a repeated violation of FCRA XXXX. 

Account Disputes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance Owed : {$3900.00} * * This account is reporting late payments that are not accurate or verifiable. Despite multiple disputes, no original payment records, signed contracts, or account statements have been provided to justify the reporting. Under FCRA 611, you must conduct a reasonable reinvestigation and obtain documentation directly from the furnisher, not rely on automated data. By continuing to report unverifiable lates, you are damaging my credit unfairly, which violates FCRA 602 ( A ). If the creditor can not produce proof, this account must be corrected or deleted. Continuing to report false payment history is unlawful and negligent. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance Owed : {$2300.0XXXX XXXX XXXX XXXXhis account is also inaccurately reporting late payments. I have disputed this multiple times, yet no valid verification has been provided. Under the FCRA, information that can not be verified must be removed immediately. Simply marking it as verified without proof is not compliance with federal law. Consumers have the right to accuracy, and false late-payment notations severely damage my credit standing. If you can not provide concrete evidence, such as billing records and signed agreements, the item must be deleted. Continuing to report unverifiable negative data constitutes willful violation under FCRA 616 and 617. 

I request that the Consumer Financial Protection Bureau ( CFPB ) ensure all inaccurate addresses and account information listed above are immediately corrected or deleted in compliance with the FCRA. I have attached supporting documentation including proof of residence, account statements, and prior dispute letters. Continued reporting of inaccurate information after my disputes constitutes a violation of federal law and subjects the reporting agencies and furnishers to legal liability. I request CFPB intervention to guarantee that reinvestigation is completed promptly and that written confirmation of all corrections is provided.

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