Consumer complaint received 2025-07-12 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 formal complaint regarding multiple inaccurate items that are currently being reported on my credit file. These errors are seriously impacting my creditworthiness and have caused me financial and emotional distress. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate these matters and ensure the credit bureaus comply with federal law, particularly the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), in handling and correcting these inaccuracies. 
XXXX XXXX  XXXX XXXX, XXXX  XXXX Law Issue : This address is incorrect and not associated with my permanent residence. Under FCRA 1681e ( b ), credit bureaus must ensure maximum accuracy of consumer information. 
Story : I have never lived at or used this address. Its presence is causing misidentification and affecting my credit standing. 
Instruction : Please delete this address from my credit file immediately. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Law Issue : FCRA 1681i requires credit bureaus to remove unverifiable information after reinvestigation. 
Story : This address is not and has never been mine. Its presence is likely linked to identity confusion or mixed files. 
Instruction : Delete this inaccurate address from my credit report. 
XXXX XXXX XXXXXXXX XXXX  XXXX Law Issue : Per FCRA 1681e ( b ), inaccurate addresses can mislead creditors and must be corrected. 
Story : I have no ties to this location and have never used it for credit or residency. 
Instruction : Remove this address immediately from all records. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Late Payment * * Law Issue : Under FCRA 1681s-2 and 1681c-2, furnishers and bureaus must not report inaccurate payment history. 
Story : I made all required payments on time and the late payment mark is false. This damages my credit unfairly. 
Instruction : Delete the late payment notation and update as " Paid As Agreed. '' XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00} Status : Chargeoff * * Law Issue : Charge-offs must be accurately reported with proper validation per FCRA 623 and FDCPA 809 ( b ). 
Story : This charge-off is being reported without proper validation or verification. I was never properly notified. 
Instruction : Remove this charge-off from my credit report or provide full validation documents. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$26000.00} Status : Late Payment * * Law Issue : Under FCRA 1681i ( a ), consumers may dispute incomplete or inaccurate payment information. 
Story : These late payments were caused by administrative errors during an auto-payment setup. I contacted the lender but the bureau has failed to correct it. 
Instruction : Update this account to reflect accurate payment history. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Late Payment * * Law Issue : Late payments must be accurate, timely, and verified per FCRA 623 ( a ) ( 1 ) ( A ). 
Story : I paid this account off in full and on time. The late payment report is an error. 
Instruction : Remove the late payment entry from this account. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Chargeoff * * Law Issue : Reporting a charge-off on a closed, {$0.00} balance account without explanation violates FCRA 1681s-2. 
Story : This account was paid in full and the charge-off is false. No documentation has been provided to support it. 
Instruction : Delete this charge-off status from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Status : Collection * * Law Issue : Duplicate reporting of same debt violates FCRA 604 ( b ) and creates an unfair negative impact. 
Story : This is a duplicate of the XXXX entry above, inflating my debt and harming my creditworthiness. 
Instruction : Delete this duplicate collection account immediately. 
XXXX XX/XX/XXXX Inquiry Law Issue : Unauthorized inquiries must be removed per FCRA 604 ( a ) ( 3 ). 
Story : I did not authorize or initiate any application that would require this hard pull. 
Instruction : Remove this inquiry as it was not permitted by me. 
XXXX XXXX XX/XX/XXXX Inquiry Law Issue : Any inquiry made without consumer consent must be deleted under FCRA 604. 
Story : I never applied for credit with XXXX XXXX during this time and did not consent to this pull. 
Instruction : Delete this unauthorized inquiry from my report. 
XXXX XXXX XXXX  XX/XX/XXXX Inquiry Law Issue : FCRA 604 ( a ) ( 3 ) prohibits hard pulls without permissible purpose. 
Story : This dealership pulled my report without disclosure or authorization. 
Instruction : Remove this inquiry immediately. 
These inaccurate addresses, account misreportings, and unauthorized inquiries demonstrate negligent handling of my personal information and repeated violations of the FCRA and FDCPA. I respectfully request that the CFPB compel the credit reporting agencies and furnishers to investigate these errors thoroughly, remove all unverifiable or inaccurate data, and provide me with written confirmation of all corrections made.

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