Consumer complaint received 2025-11-15 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: IL

Complaint narrative:
I am filing this formal complaint because XXXX XXXX, and TransUnion are reporting multiple false, unverified, and unauthorized items on my consumer reports. Despite my lawful disputes, these bureaus and the associated furnishers have failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). 

These inaccuracies are causing serious harm to my creditworthiness, financial opportunities, and overall consumer rights. I am requesting the CFPB to intervene immediately.

1. WRONG / UNAUTHORIZED ADDRESSES BEING REPORTED The following addresses do NOT belong to me, I have NO connection to them, and they are being reported without any verification : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address These addresses are inaccurate, unauthorized, and are potentially placing me at risk of mixed-file errors or identity-related issues. 

I demand that the credit bureaus delete these wrong addresses immediately. 

XXXX. XXXX XXXX  INACCURATE LATE PAYMENT REPORTING XXXX XXXX Account Ending XXXX High Balance : {$40000.00} Date Opened : XX/XX/XXXX Reported Issue : Late Payment This late payment claim is completely false. 
I have never made any late payment on this account, and the history they are reporting is inaccurate and damaging. 

Under FCRA 607 ( b ) & 611, the bureaus and furnisher are required to maintain maximum accuracy.

Instead, they continue reporting incorrect payment history despite my disputes. 

I am demanding a full investigation and immediate correction of this inaccurate late payment entry. 

XXXX. XXXX XXXX UNAUTHORIZED COLLECTION ACCOUNT XXXX XXXX Account Ending XXXX High Balance : {$230.00} Date Opened : XX/XX/XXXX Reported Issue : Collection Account This is an unauthorized, unknown, and unverified collection account. 
I have no knowledge of this account, did not authorize it, and XXXX has failed to provide any legally required validation. 

Under FCRA 623 & FDCPA 809 ( b ), no furnisher is permitted to report a debt that can not be verified with proof of ownership and liability. 

I am demanding the permanent deletion of this collection account because it is not mine. 

FCRA VIOLATIONS OCCURRING The credit bureaus and furnishers have violated : FCRA 602 Failure to ensure fair and accurate reporting FCRA 607 ( b ) Failure to maintain maximum possible accuracy FCRA 611 Failure to reinvestigate disputed information FCRA 623 Furnishing inaccurate or unverifiable data These are serious violations impacting my credit profile and consumer rights.

WHAT I AM REQUESTING FROM THE CFPB I respectfully request the CFPB to : Investigate XXXX XXXX TransUnion, and the involved furnishers for failing to comply with FCRA requirements. 

Require deletion of the unauthorized addresses from my credit reports. 

Require correction of the false late payment reported by XXXX XXXX. 

Require deletion of the XXXX XXXX  account that I have no knowledge of. 

Hold all furnishers and bureaus accountable for non-compliance. 

CONCLUSION These reporting errors are directly harming me. I have acted in good faith and submitted lawful disputes, but the bureaus and furnishers have ignored their legal duties under the FCRA. 

Therefore, I ask that the CFPB take immediate enforcement action. 

Thank you for your time and attention.

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