Consumer complaint received 2025-09-23 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: MA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau because my credit report is showing inaccurate, incomplete, and unverifiable information that is severely damaging my creditworthiness and financial stability. Under the Fair Credit Reporting Act ( FCRA ), specifically sections 602 ( A ), 604, 607 ( B ), 611, and 623, I have the right to an accurate and fair credit profile and to dispute any account or inquiry that can not be verified with proper documentation. I have already disputed these items with the credit bureaus but they continue to appear on my report without a proper reinvestigation or proof of accuracy, which is a direct violation of FCRA and my consumer rights. I am requesting CFPB intervention to force the bureaus and furnishers to comply with the law and permanently delete or correct these accounts and inquiries if they can not be verified in full compliance with federal law. 

ADDRESSES XXXX XXXX XXXX, MA XXXX This address is not connected to me and has never been associated with my personal information, identity, or financial history. Reporting this address creates a false link between me and individuals or accounts that I have no relationship with, which violates FCRA Section 607 ( b ) regarding maximum possible accuracy. I have already disputed this address in my first and second rounds, and you have not provided documentation such as a lease, utility bill, or other verifiable proof showing my residency here. The inclusion of this address causes my file to be mixed with other consumers, increasing my risk of identity theft and credit denials. The FCRA Section 611 ( a ) ( 5 ) requires you to delete any information that can not be verified after reinvestigation, yet this address remains. Failure to remove it demonstrates negligence and failure to maintain accurate consumer data. Continued reporting may be considered willful noncompliance and could result in legal liability. I demand immediate deletion to prevent further harm to my credit file. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$420.00} The late payment history reported here is not accurate, and it is misleading potential creditors into believing I have a pattern of delinquency when that is not true. Under FCRA Section 609, I am entitled to know the method of verification used, including the original records from XXXX XXXX XXXX proving the exact dates and amounts of alleged delinquencies. If you can not produce signed billing statements or account records proving the accuracy of this negative data, you must delete this tradeline entirely under FCRA Section 611 ( a ) ( 5 ). Continuing to report unverifiable derogatory data is considered negligent under FCRA Section 607 ( b ). This account may also be reported in a way that violates FCRA Section 623 ( a ) ( 1 ) if the furnisher knows or should know it is inaccurate. Failure to correct after multiple disputes constitutes willful noncompliance under FCRA Sections 616 and 617 and exposes you to statutory damages. I request full reinvestigation, deletion if not fully verifiable, and a copy of my updated report. 

XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$230.00} This collection account is not mine, has never been validated, and I have not received a notice of debt within 5 days as required under the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( a ). Reporting this collection without proper validation violates both FDCPA and FCRA Section 607 ( b ). You are required to verify with the furnisher and provide me with documentation including the original creditor name, amount of the debt, and proof that I authorized the account. If the furnisher can not validate the debt, you must delete it permanently under FCRA Section 611 ( a ) ( 5 ). Continued reporting of unvalidated collections is willful noncompliance and damages my creditworthiness. I am prepared to file CFPB complaints and take legal action if this item is not removed. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6300.00} The late payment reporting for this account is inaccurate and must be corrected or removed. Under FCRA Section 623 ( a ) ( 1 ), furnishers may not report information they know or should know is inaccurate. I demand a reinvestigation including original payment history directly from XXXX XXXX. If they can not provide the exact dates of payment and delinquency, this account must be permanently deleted under FCRA Section 611 ( a ) ( 5 ). Reporting false delinquencies damages my credit score and my ability to qualify for loans and better interest rates. Failure to act after multiple disputes is considered willful noncompliance and I reserve the right to seek legal remedies including statutory damages. 

I am demanding that the CFPB investigate these accounts and inquiries and hold the credit bureaus and furnishers accountable under FCRA 602 ( A ), 607 ( B ), 611, and 623 as well as FDCPA validation requirements where applicable. If these items can not be verified with full compliance to federal law, they must be permanently deleted from my credit report. The continued reporting of unverifiable or inaccurate information is harming me financially and emotionally, and I request CFPB enforcement to protect my rights as a consumer.

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