Consumer complaint received 2025-12-25 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: GA

Complaint narrative:
I am submitting this complaint to formally dispute inaccurate information being reported by TransUnion on my consumer credit file. I am requesting a full and proper reinvestigation under the Fair Credit Reporting Act, as the information listed below is inaccurate, unverifiable, and does not reflect my true credit history. 
The address XXXX XXXX, XXXX, GA XXXX is not mine. I have no knowledge of this address, have never resided there, and did not provide it to any creditor. This address does not belong on my credit report and must be deleted immediately. 
The address XXXX XXXX, XXXX, GA XXXX is not my address. I do not recognize it, have no association with it, and never authorized its reporting. I am requesting that this address be permanently removed from my credit file. 
The address XXXX XXXX, XXXX, CA XXXX is also not mine. I have no knowledge of this address and no connection to it. TransUnion is reporting this inaccurately, and it must be deleted from my credit report. 
The account reported as XXXX XXXXXXXX XXXX XXXX with a high balance of {$2700.00}, opened on XX/XX/XXXX, is reporting late payment history that is inaccurate. I am disputing the late payment reporting only. TransUnion must conduct a proper investigation and either correct the payment history to accurately reflect my account or remove the inaccurate late payment information if it can not be fully verified. 
The second XXXX XXXX XXXX XXXX account with a high balance of {$3500.00}, also opened on XX/XX/XXXX, is likewise reporting late payments inaccurately. I am not disputing the existence of the account, only the incorrect late payment history. This reporting must be corrected or removed following a lawful reinvestigation. 
The account listed as XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX with a high balance of {$17000.00}, opened on XX/XX/XXXX, is reporting late payment information that does not accurately reflect my payment history. I am disputing the late payment reporting only and requesting correction of any inaccurate payment history. 
The account listed as XXXX XXXX XXXX XXXXXXXX XXXX XXXX  with a high balance of {$16000.00}, opened on XX/XX/XXXX, is also reporting inaccurate late payments. I am disputing only the late payment history and requesting that TransUnion verify and correct this information accordingly. 
The XXXX XXXX XXXX XXXX  account with a high balance of {$4500.00}, opened on XX/XX/XXXX, contains late payment reporting that is inaccurate. This dispute applies solely to the late payment history, which must be corrected or removed if it can not be properly verified. 
The XXXX XXXX XXXX XXXX account with a high balance of {$3000.00}, opened on XX/XX/XXXX, is reporting late payments that are not accurate. I am requesting correction of the late payment history only after a proper reinvestigation. 
The additional XXXX XXXX XXXX XXXX account with a high balance of {$2200.00}, opened on XX/XX/XXXX, also contains inaccurate late payment reporting. I am disputing the late payment history only and requesting that this information be corrected or deleted if unverifiable. 
TransUnion is required under the Fair Credit Reporting Act to ensure that all information reported is accurate, complete, and verifiable. I am requesting that CFPB ensure TransUnion conducts a lawful and thorough reinvestigation and provides written confirmation once these inaccuracies are corrected or removed.

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