Consumer complaint received 2025-07-16 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 against the credit reporting agencies for failing to ensure accurate, complete, and verifiable reporting of my personal credit file. I have identified multiple inaccurate data entries, including a wrong address, incorrect late payment notations on accounts, and unauthorized or unverified hard inquiries, all of which violate my rights under the Fair Credit Reporting Act ( FCRA ), particularly Sections 602 ( A ), 604, 605, 607 ( B ), and 611. I have tried to resolve these issues directly with the credit bureaus without success, and I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate and compel the credit bureaus and furnishers to correct or delete the inaccurate data. 
XXXX XXXX XXXX, CA XXXX Address Law : FCRA Section 602 ( a ) requires that credit bureaus ensure maximum possible accuracy in reporting Issue : This address is inaccurately reported on my credit file and I have no association with it Story : I have never lived at, received mail at, or listed this address in any credit application. Its presence on my report is misleading and may suggest fraudulent activity XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4500.00} Late Payment * * Law : FCRA Section 611 ( a ) allows me to dispute incomplete or inaccurate information and FDCPA Section 807 ( 2 ) ( A ) prohibits false representations of a debt Issue : This account is showing late payments that are not accurate or substantiated Story : I made all payments on time or had a payment arrangement, and was not notified properly of any delinquency. These derogatory marks are unjust and do not reflect my payment behavior XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4200.00} Late Payment * * Law : FCRA Section 607 ( b ) states credit bureaus must follow reasonable procedures to ensure accuracy and FCRA Section 609 ( a ) ( 1 ) requires access to source information Issue : This account contains late payments I do not agree with and was not notified of properly Story : The negative information was added without proper validation or proof. I believe the dates and status are incorrect and no documentation has been provided to justify these marks I am requesting a full investigation by the CFPB into the inaccuracies listed above. I demand that the credit reporting agencies either provide verified documentation supporting these accounts, inquiries, and address as accurate or delete them completely from my credit file. If no proof is provided within the required time period as per FCRA Section 611 ( a ) ( 1 ) ( A ), I expect immediate deletion. These errors have caused me serious financial and emotional distress. I request that the CFPB hold the responsible data furnishers and credit bureaus accountable and ensure these violations are corrected without delay.

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