Consumer complaint received 2025-08-07 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:
This is a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) regarding numerous inaccuracies and violations found on my credit report that are seriously affecting my financial reputation and opportunities I demand a full reinvestigation under the FCRA as these errors are unjustified and were never verified or validated properly despite my previous efforts I am exercising my rights under the FCRA to dispute these items and holding all reporting parties accountable including the credit bureaus and furnishers I am requesting immediate deletion and correction where applicable. 
ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Law : FCRA Section 602 ( a ), 609 ( c ) ( 1 ) ( A ), 611 ( a ) Issue : This address is inaccurately reporting on my credit file.

Story : I have never lived at or been associated with this address. Its presence on my credit profile is erroneous and damaging to the accuracy of my report. I am requesting its deletion immediately. 

ADDRESS XXXX XXXX XXXXXXXX XXXX, CA XXXX Law : FCRA XXXX XXXX ( a ), XXXX ( c ) ( XXXX ) ( A ), XXXX ( a ) Issue : This is an inaccurate address listed on my credit report. 
Story : I have no connection to this location. Including this address leads to confusion and potential merging of other individuals ' information with mine. Please remove it immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} Law : FCRA XXXX XXXX ( a ), XXXX ( b ), XXXX ( a ) Issue : Late payment is inaccurately reported. 
XXXX : This account is reporting a late payment that is incorrect. I have made payments on time and have records to support that. This information must be investigated and corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$150.00} Law : FCRA XXXX XXXX ( a ), XXXX ( b ), XXXX ( a ) Issue : Late payment inaccurately reported. 
Story : I have never missed a payment on this account. Please verify all records and remove this derogatory information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$25.00} Law : FCRA XXXX XXXX ( a ), XXXX ( b ), XXXX ( a ) Issue : Incorrect late payment showing. 
Story : I always paid this account on time. This is a reporting error that I am requesting to be corrected or removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$290.00} Law : FCRA XXXX XXXX ( a ), XXXX ( b ), XXXX ( a ) Issue : Late payment listed inaccurately. 
XXXX : This account does not accurately reflect my payment history. Please re-investigate and update accordingly. 

XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Law : FCRA XXXX XXXX ( a ), XXXX ( b ), XXXX ( a ) Issue : Incorrect late payment status. 
XXXX : This account was always in good standing. I demand a review of the records and removal of this error. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Law : FCRA XXXX XXXX ( b ), XXXX ( a ) Issue : Charge-off inaccurately reported. 
Story : I was never late on this account. It was paid in full or closed satisfactorily. Please verify and delete the charge-off notation. 

XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Law : FCRA XXXX XXXX ( b ), XXXX ( a ) Issue : Charge-off is invalid and misreported. 
Story : I had resolved this account and was not notified of any charge-off status. I request deletion of this derogatory mark. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Law : FCRA XXXX XXXX ( a ), XXXX ( b ), XXXX ( a ) Issue : Charge-off status is inaccurate. 
Story : I have fully paid or settled this account and there should be no charge-off. Please investigate and remove. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Law : FCRA XXXX XXXX ( a ), XXXX ( b ), XXXX ( a ) Issue : Late payment is not valid. 
Story : I paid this auto loan responsibly. The late mark is wrong and should be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX Balance : {$0.00} Law : FCRA XXXX XXXX ( a ), XXXX ( b ), XXXX ( a ) Issue : Late payment does not match my records. 
XXXX : This account was managed well. This is a reporting error. Please remove the late payment. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Law : FCRA XXXX XXXX ( a ), XXXX ( b ), XXXX ( a ) Issue : Late payment listed is incorrect. 
Story : No late payments occurred. The reporting is faulty and needs correction. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( a ) ( XXXX ), XXXX ( a ) Issue : Unauthorized inquiry. 
Story : I did not give permission for this inquiry. It must be deleted immediately. 

XXXX XXXX XXXXXX/XX/XXXX Law : FCRA XXXX XXXX ( a ) ( XXXX ), XXXX ( a ) Issue : Inquiry made without my consent. 
Story : I never applied for credit with this company. Please delete this inquiry. 

XXXX XXXX XXXXXX/XX/XXXX Law : FCRA XXXX XXXX ( a ) ( XXXX ), XXXX ( a ) Issue : Unauthorized hard inquiry. 
Story : I did not authorize this pull. Please remove it. 

INXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a ) ( XXXX ), XXXX ( a ) Issue : No permissible purpose for this inquiry. 
XXXX : This company was not given consent to access my credit. Delete immediately. 

INQUIRY XXXX XXXXXX/XX/XXXX Law : FCRA XXXX XXXX ( a ) ( XXXX ), XXXX ( a ) Issue : Inquiry not authorized by me. 
XXXX : This is an unauthorized credit pull. Please remove it. 

I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my credit report continues to reflect inaccurate and unverifiable information despite my rights under federal law These errors are damaging my credit and preventing me from securing housing and financial opportunities I am requesting an immediate and complete investigation by the CFPB and demand that all unverifiable inaccurate and unauthorized items listed above be removed from my credit report promptly under my rights in the FCRA.

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 explanation