Consumer complaint received 2025-08-20 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 Consumer Financial Protection Bureau ( CFPB ) against inaccurate and unverifiable information being reported on my consumer credit file. The credit reporting agencies and furnishers are required under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) to ensure maximum accuracy of consumer information, yet multiple addresses and accounts appearing on my report are wrong, outdated, or unlawfully reported. These errors are damaging my creditworthiness, preventing me from accessing fair lending, and causing ongoing harm. I have never lived at the listed wrong addresses and the accounts in question either do not belong to me, are being reported inaccurately, or are in violation of federal law. I am requesting the CFPB to investigate and hold the bureaus and furnishers accountable for violating my consumer rights under FCRA, FDCPA, and related laws. 

ADDRESS : XXXX XXXX XXXX, XXXX, CA, XXXX Law Issue : FCRA 607 ( b ) Issue : Wrong address reporting Story : This address has no connection to me. I have never lived, rented, or received mail at this property. Its presence suggests that my credit file has been merged with someone elses, creating confusion and potential identity mix-ups. This not only damages my profile but also places me at risk of being associated with debts or accounts that are not mine. 
Instruction : Delete this inaccurate address from my credit file immediately ADDRESS : XXXX XXXX XXXX, XXXX XXXX, CA, XXXX Law Issue : FCRA 607 ( b ) Issue : Incorrect address reporting Story : I have never resided at or been connected to this address. Having it tied to my credit report makes lenders question my stability and creates doubt about the accuracy of my identity. Such misinformation harms my credibility and may impact future financial opportunities. 
Instruction : Remove this address permanently ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX Law Issue : FCRA 607 ( b ) Issue : False address association Story : I have no history with this residence. Its inclusion is misleading and inaccurate, suggesting poor data handling by the bureau. If left unchecked, it can lead to further errors, including accounts tied to this location that have nothing to do with me. 
Instruction : Delete this incorrect address ACCOUNT : XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00} Chargeoff Law Issue : FCRA 602 ( A ), 607 ( b ), 611 and FDCPA 807 Issue : Conflicting and misleading reporting of account Story : This account is marked as a charge-off but also shows a balance of {$0.00}. This is contradictory and can not be accurate at the same time. Such misinformation damages my creditworthiness, makes me appear riskier to lenders, and unfairly penalizes me for something that can not be verified with proper documentation. If you can not produce original signed contracts or detailed payment records, then this item must be removed. 
Instruction : Delete this tradeline if it can not be fully verified with accurate documentation ACCOUNT : XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$20000.00} Late Payment Law Issue : FCRA 607 ( b ), 611, CFPB guidelines on accuracy of public records Issue : Incomplete and unverifiable late payment reporting Story : This account is reported as a late payment with a large balance, but the information appears incomplete, lacking details such as the original agreement, payment history, or signed documentation. Inaccurate public records create a serious negative impact, lowering my score unfairly and blocking financial opportunities. Unless you can provide proper evidence, this reporting is unverifiable. 
Instruction : Please conduct reinvestigation and remove this reporting if full verification can not be produced ACCOUNT : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$9400.00} Collection Law Issue : FCRA 607 ( b ), 611, FDCPA 807 Issue : Inconsistent and unverifiable collection reporting Story : This account is reported as a collection account, but the details are conflicting and incomplete. I have no verified knowledge of this debt, and the reporting is misleading and harmful. Inaccurate collections create the false impression that I am avoiding repayment, which severely damages my credit and reputation. If the creditor or bureau can not provide documentation proving this account truly belongs to me, then it must be deleted. 
Instruction : Verify with proper documentation or delete this collection account I am requesting that the CFPB take immediate action to hold the credit bureaus and furnishers accountable. I demand deletion of all inaccurate addresses and removal or correction of the accounts that can not be properly verified according to federal law. The presence of these items is in violation of the FCRA and FDCPA, and they are causing financial harm, emotional distress, and blocking fair access to credit opportunities. I respectfully ask the CFPB to enforce compliance and ensure my consumer rights are fully protected.

Company response to consumer: Closed with non-monetary relief