Consumer complaint received 2025-08-19 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 ) because my consumer report contains multiple inaccurate addresses, accounts, late payments, charge-offs, collections, and unauthorized inquiries. These errors are seriously damaging my creditworthiness, preventing me from obtaining fair financial opportunities, housing, and employment. I have disputed these items with the credit reporting agencies, but they remain on my report in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that the CFPB step in to enforce my rights and ensure that the credit bureaus and furnishers comply with the law. 
ADDRESS XXXX XXXX XXXX, CA XXXX Law : FCRA 607 ( b ) requires maximum possible accuracy Issue : Inaccurate address linked to my file Story : I have never resided at this address nor used it on any credit application. Linking my report to an address that does not belong to me suggests a possible file mix-up or identity confusion. Wrong addresses create risks of fraudulent account associations and could allow unrelated debts to be tied to my name. This information is harmful and must be deleted ADDRESS XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Law : FCRA 602 ( A ) emphasizes fair reporting practices Issue : Incorrect address reported under my profile Story : I have no relationship to this address. It was likely mixed with someone elses information. Because of this error, I risk being associated with accounts and negative items that are not mine. Such mistakes harm my creditworthiness and could affect housing or loan approvals. This address must be deleted to ensure accuracy of my file ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$0.00} Late Payment * * Law : FCRA 611 ( a ) requires full reinvestigation upon dispute Issue : Late payment reported on a {$0.00} balance account Story : Reporting a late payment when the account balance is XXXX is inconsistent and unfair. I always made payments on time, and the account was resolved with no balance owed. The presence of this false late payment lowers my credit score and misrepresents my financial responsibility. I request removal of the inaccurate late payment entry ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$0.00} Chargeoff * * Law : FCRA 605 ( a ) prohibits obsolete and misleading accounts Issue : Chargeoff listed with XXXX balance Story : This chargeoff should not be reported because the balance is resolved. If there is no money owed, then there is no valid chargeoff. Continuing to report it as derogatory damages my reputation and creditworthiness. It is misleading and must be deleted immediately ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$0.00} Chargeoff * * Law : FCRA 607 ( b ) ensures accuracy in reporting Issue : Incorrect chargeoff on XXXX balance account Story : A chargeoff indicates that the creditor suffered a financial loss. However, the balance is listed as {$0.00}, meaning no loss occurred. Reporting it as a chargeoff is inaccurate and paints a false picture of my credit history. This entry should be removed for failing to meet accuracy standards ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$0.00} Late Payment * * Law : FCRA 611 ( a ) requires verifiable reporting Issue : Late payment marked on a XXXX balance account Story : This reporting is inaccurate. I made payments on time and no evidence has been provided to show otherwise. Marking this account with a late payment unfairly lowers my score and misrepresents my financial behavior. I demand proper validation or deletion ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$0.00} Late Payment * * Law : FCRA 609 ( a ) ( 1 ) requires disclosure of verification Issue : Late payment entry not supported by documentation Story : I dispute this reporting because I always paid this account as agreed. If you can not provide verification from the original creditor proving the late payment, then this record is inaccurate and must be removed from my file ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$450.00} Chargeoff * * Law : FCRA 607 ( b ) requires maximum possible accuracy Issue : Chargeoff reported but not properly validated Story : This chargeoff is disputed because I never received full validation or records from the original creditor. Without proof, this derogatory item can not legally remain. Continuing to report it without validation is a violation of my rights under the FCRA ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$11000.00} Chargeoff * * Law : FCRA 611 ( a ) requires reinvestigation of disputed accounts Issue : Chargeoff reported with large balance but unverified Story : I dispute the accuracy of this chargeoff. I have not been provided with documents showing that this amount is valid or belongs to me. Without proper validation, the reporting is incomplete and misleading. This account should be corrected or deleted immediately ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$390.00} Collection * * Law : FDCPA 807 prohibits false or misleading representations Issue : Collection account not properly validated Story : I never received a notice of validation from this collector. This debt is not recognized and may not belong to me. Without proper validation from the original creditor, this account can not legally remain. It is misleading and harmful, and I demand its deletion INQUIRY XXXXXXXX XXXX  Law : FCRA 604 ( a ) requires permissible purpose for inquiries Issue : Inquiry made without my authorization Story : I never applied for credit that would justify this inquiry. Unauthorized hard pulls are damaging to my score and represent misuse of my personal information. This inquiry must be deleted I am asking the Consumer Financial Protection Bureau ( CFPB ) to investigate these violations and require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. The inaccurate addresses, unverifiable accounts, and unauthorized inquiries must be corrected or deleted immediately. These errors are causing me real financial harm, and I rely on the CFPB to enforce my rights under federal law and hold the responsible parties accountable.

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