Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) is entrusted with ensuring accuracy, fairness, and compliance with consumer reporting laws. I am submitting this formal complaint because my credit report contains false addresses, unauthorized inquiries, and inaccurate information that violates the Fair Credit Reporting Act ( FCRA ). I demand immediate investigation, deletion, and correction of these inaccurate items because they are damaging my creditworthiness and causing ongoing harm. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$65000.00} Late Payment Law : FCRA 609 ( a ) and 611 ( a ) require full disclosure and reinvestigation Issue : Late payment being reported is inaccurate Story : I have consistently maintained this mortgage account responsibly. The late payment being reported is not correct and has no basis in fact. This inaccurate derogatory mark has significantly harmed my payment history, making it appear as though I am an unreliable borrower when that is not true. I request verification with original payment records, and if not verifiable, this late payment must be deleted Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment Law : FCRA 611 ( a ) requires reinvestigation of disputed information Issue : Reporting a late payment on an account with XXXX balance is inaccurate and contradictory Story : This account is closed and shows a XXXX balance, yet a late payment is reported, which is not logical or accurate. No payments could have been late after closure. This false information misleads future lenders into believing I was delinquent when the account had been fully satisfied. I dispute this entry and request immediate correction or removal Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3300.00} Late Payment Law : FCRA 607 ( b ) requires accuracy in reporting Issue : The late payment being reported is inaccurate Story : I have maintained timely payments and have proof of consistent account management. This alleged late payment damages my payment history, unfairly lowering my credit score and suggesting irresponsibility that is untrue. If this late payment can not be verified with original documentation from the creditor, it must be deleted Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$7300.00} Late Payment Law : FCRA 611 ( a ) requires proper investigation upon dispute Issue : The late payment reporting is inaccurate Story : This account has been incorrectly reported as delinquent. I have not missed payments in the manner described, and this information misrepresents my financial behavior. I demand validation directly from the creditor. If it can not be verified with documented evidence, it must be deleted immediately from my file Inquiry XXXX XXXX XX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ) requires permissible purpose Issue : This inquiry was not authorized by me Story : I never gave permission to this company to pull my credit report. This unauthorized access negatively impacts my credit score and creates the appearance that I am applying for credit when I am not. This inquiry must be removed Inquiry XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ) Issue : Inquiry without permissible purpose Story : I never initiated any application with this entity. This credit pull was done without my knowledge or consent, making it both unauthorized and harmful. I dispute it and request immediate deletion Inquiry XXXX XXXX XX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ) Issue : No permissible purpose Story : I never applied for or sought services from this company. This inquiry is a violation of my consumer rights under the FCRA and must be deleted immediately This complaint is being filed because my repeated efforts to correct these issues directly with the credit reporting agency have failed. The listed items are clearly wrong and harmful. I trust CFPB to intervene, enforce the law, and ensure a fair resolution 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