Consumer complaint received 2025-09-30 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 to the CFPB because my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) have been violated by the reporting of false addresses, inaccurate account information, and unauthorized inquiries. I never authorized or verified some of these records, and they are harming my credit profile, employment opportunities, and financial stability. I request a full reinvestigation and deletion of all inaccurate items listed below, and I am requesting CFPB to hold the credit reporting agencies and furnishers accountable under federal law. 

AccounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$250000.00} Late Payment This account is being reported with late payments that are completely inaccurate and harmful. I have always maintained timely payments and have records that show no delinquency, yet your system continues to reflect false late marks. Such false reporting creates an impression of irresponsibility that is not true and unfairly damages my creditworthiness. Under FCRA Section XXXX ( b ), you are obligated to ensure maximum possible accuracy, but your failure to correct this error despite previous disputes is evidence of negligence. Section 623 ( a ) ( 1 ) ( A ) also prohibits furnishers from reporting information they know or should know is inaccurate, yet these false late payments remain. A late payment notation is one of the most damaging marks to a credit report, lowering scores, increasing interest rates, and creating obstacles for housing and employment opportunities. By allowing an incorrect delinquency history to remain, you are failing in your statutory duties and causing continued harm. This type of error can also lead to potential claims of defamation and liability under Section 616 and 617 of the FCRA for willful or negligent noncompliance. I am demanding that the late payment history be deleted or corrected to show accurate, on-time payments only. Continuing to allow this misinformation to remain will not be tolerated. I have the right to a fair and accurate credit report, and I insist this account be fixed immediately. If not, I will escalate this matter to the CFPB, state regulators, and legal counsel. 

Inquiry XXXX XX/XX/XXXX This inquiry was never authorized by me and has no permissible purpose under the Fair Credit Reporting Act Section 604. I did not apply for credit or give written consent on this date, so reporting this inquiry is unlawful. The presence of an unauthorized inquiry on my file misleads lenders into thinking I was actively seeking credit. Multiple inquiries like this lower my score and create the false appearance of risk, which directly harms me. Section 607 ( b ) requires maximum accuracy, and this inquiry is not accurate. Section 611 also requires unverifiable data to be deleted. If you can not provide signed proof of my authorization, this inquiry must be removed. Failing to delete it will be treated as willful noncompliance. I demand immediate deletion.

I am requesting the CFPB to intervene and ensure that these inaccurate addresses, false account information, and unauthorized inquiries are removed from my credit report. The reporting agencies and furnishers have failed to follow the law, specifically FCRA 604, 607, 609, 611, and FDCPA 807, which clearly protect me as a consumer. These errors are not only damaging but unlawful, and I request immediate correction and deletion to restore the accuracy of my credit file.

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