Consumer complaint received 2025-08-16 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 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 XXXX, CA XXXX Law Issue : FCRA 607 ( b ) requires maximum accuracy in consumer reporting Issue : This address is not associated with me and is being inaccurately reported Story : I have never lived at or used this address, and its continued reporting creates confusion and potential mixed files. Please remove immediately XXXX XXXX XXXX, CA XXXX Law Issue : FCRA 607 ( b ) requires consumer reports to exclude inaccurate addresses Issue : This is not my residence and should not appear on my file Story : I have no connection to this address and demand its deletion to maintain the accuracy of my credit history ACCOUNTS XXXX XXXX XXXX * Date Opened : XX/XX/XXXX Balance Owed : {$470.00} Chargeoff * * Law Issue : FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know is inaccurate Issue : This account is being reported as a chargeoff inaccurately Story : I dispute the validity of this chargeoff and request validation or deletion as required under the law XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$890.00} Late Payment * * Law Issue : FCRA XXXX ( b ) maximum accuracy requirement Issue : Late payments are being inaccurately reported Story : I have not received proper validation of this accounts alleged late history. Please delete or correct immediately XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * Law Issue : FCRA 611 requires deletion of unverifiable accounts Issue : A chargeoff is being reported despite a XXXX balance Story : This is a contradiction and proves inaccuracy. Please delete XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$780.00} Chargeoff * * Law Issue : FCRA XXXX & XXXX accuracy and reinvestigation requirement Issue : This account is being reported as a chargeoff without proper validation Story : I dispute this account entirely and demand a reinvestigation and deletion XXXX  FIN XXXX Date Opened : XX/XX/XXXX Balance Owed : {$550.00} Chargeoff * * Law Issue : FCRA XXXX prohibits furnishing of inaccurate or unverifiable information Issue : This account is reporting as charged off inaccurately Story : I request validation documents ; if unavailable, this account must be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law Issue : FCRA 607 ( b ) maximum possible accuracy requirement Issue : A late payment is being reported on an account with no balance Story : This contradiction shows the reporting is false and must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3200.00} Chargeoff * * Law Issue : FCRA 611 right to reinvestigation Issue : This chargeoff is disputed and unverifiable Story : I dispute the accuracy of this chargeoff and request full validation or deletion CCB/BURLIN XXXX * * XXXX XXXX XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law Issue : FCRA 623 prohibits reporting of inaccurate information Issue : A late payment is listed despite a XXXX balance Story : This is not logically possible and shows inaccuracy. Please delete XXXX / XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$120.00} Chargeoff * * Law Issue : FCRA 609 and 611 accuracy and reinvestigation requirement Issue : This chargeoff is unvalidated Story : I demand proper validation or deletion of this inaccurate reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$24000.00} Late Payment * * Law Issue : FCRA 607 ( b ) maximum accuracy requirement Issue : Late payment history is inaccurate Story : I dispute the validity of these alleged late payments and demand deletion if not fully validated XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} Late Payment * Law Issue : FCRA 623 ( a ) ( 1 ) ( A ) prohibits inaccurate reporting Issue : Late payments reported are inaccurate Story : This accounts late history can not be verified. I demand correction or deletion XXXX XXXX XXXX CO XXXX Date Opened : XX/XX/XXXX Balance Owed : {$360.00} Collection * Law Issue : FDCPA 807 prohibits false representation of debts, FCRA 611 requires reinvestigation Issue : This collection is inaccurate and unvalidated Story : I request validation. If none is provided, this collection must be removed INQUIRIES TBOM/VERV TV XX/XX/XXXX Law Issue : FCRA 604 requires permissible purpose for inquiries Issue : This inquiry was unauthorized Story : I did not grant permission for this inquiry and demand its removal XXXX XX/XX/XXXX Law Issue : FCRA 604 permissible purpose requirement Issue : Unauthorized hard inquiry Story : I never applied for credit that would allow this inquiry, so it must be removed XXXX XXXX XX/XX/XXXX Law Issue : FCRA 604 Issue : Unauthorized inquiry Story : I did not grant permission for this inquiry and demand removal I am asking the Consumer Financial Protection Bureau XXXX 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