Consumer complaint received 2025-10-10 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 because my credit report contains inaccurate and unauthorized information that has severely impacted my credit score, financial opportunities, and ability to access credit. Under the Fair Credit Reporting Act ( FCRA ) Sections 602, 607, 611, and 623, I have the right to dispute and request the reinvestigation of all incorrect information. This complaint seeks immediate correction of all errors, removal of unauthorized inquiries, and proper verification of all accounts and addresses. 

XXXX XXXX XXXX, CA XXXX ADDRESS This address is completely inaccurate and has never been associated with me in any way. I have never resided, received mail, or conducted any financial transactions from this location. The reporting of this false address contributes to mixed-file issues, potential identity confusion, and misrepresentation of my credit history. Prior disputes have failed to remove it, demonstrating a lack of proper verification and compliance with FCRA 607 ( b ) and 611 ( a ) ( 1 ) ( A ). The continued presence of this erroneous address can negatively impact credit decisions, create false associations with fraudulent activity, and hinder my ability to obtain accurate credit reports. Immediate deletion is required to correct my credit profile and prevent further damage. The repeated failure to provide documentation linking me to this address shows blatant disregard for legal obligations. This error compromises my financial reputation, causes unnecessary stress, and could lead to wrongful denials of credit or services. I demand full correction and written confirmation of its removal. 

XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3500.00} LATE PAYMENT * * This account continues to show late payment information that can not be verified. I have never received supporting documentation proving the legitimacy of these alleged delinquencies. The continued reporting of unverified late payments damages my credit history, violates FCRA 611 and 623 ( a ) ( 1 ) ( A ), and demonstrates a failure of reasonable investigation. This false reporting impacts my ability to access credit, increases borrowing costs, and misrepresents my financial responsibility. The bureaus failure to correct this after prior disputes shows willful negligence. The repeated inaccurate reporting of this account interferes with my professional and personal financial life and may mislead creditors. I have requested proof of payment history, account statements, and verification from the original creditor, but no adequate response has been provided. The negative impact is ongoing, causing potential denial of loans or unfavorable interest rates. These inaccuracies must be deleted immediately to restore fairness and compliance with federal law. 

XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00} LATE PAYMENT * * This account is being reported with inaccurate late payments that have never been substantiated. I have repeatedly requested verification of payment records, contractual agreements, and documentation, yet none have been provided. The inaccurate reporting continues to harm my credit score and creates a false impression of financial irresponsibility. The bureaus repeated failure to correct or validate this data violates FCRA 602, 607 ( b ), and 611, showing willful disregard for accuracy. These errors create unnecessary stress, affect employment or rental applications, and could lead to wrongful legal or collection actions. Each reinvestigation has been incomplete and insufficient to meet legal standards. I demand immediate deletion of this accounts unverifiable negative information. The ongoing inaccuracies misrepresent my creditworthiness and cause potential financial losses. Failure to correct demonstrates systematic negligence and disregard for consumer rights. Immediate action is required to prevent further damage. 

XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4000.00} LATE PAYMENT * * This account reports late payments that are completely unverified and unverifiable. Despite multiple disputes, no documentation proving delinquency has ever been produced. Reporting unverified late payments violates FCRA 611 ( a ) ( 1 ) and 607 ( b ). This false reporting has caused undue stress and may mislead lenders into making unfavorable decisions regarding my creditworthiness. The bureaus failure to perform a thorough reinvestigation constitutes negligence and a violation of federal law. These inaccuracies impede my ability to secure credit, loans, or financial products on fair terms. The persistent presence of this negative information tarnishes my financial reputation and creates unnecessary obstacles in personal and professional life. I demand deletion of this account until verified. Continued reporting without evidence demonstrates willful noncompliance and undermines trust in the reporting process. Immediate correction is legally required. 

XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7200.00} LATE PAYMENT * * This account reports unverifiable late payments that have never been confirmed with adequate documentation. The reporting violates FCRA 607 ( b ) and 623 ( b ), which require accurate and verifiable data. Prior reinvestigations have failed to provide supporting records or confirmation from the original creditor. This continued false reporting affects my credit score, creates a misleading record of financial behavior, and can result in denial of credit opportunities. The bureaus inaction is a clear violation of legal responsibilities. The negative impact extends to employment screening, rental applications, and personal financial decisions. I demand immediate deletion until verification is provided. Repeatedly reporting unverified information demonstrates disregard for federal consumer protections. This accounts presence is harmful, misleading, and legally unjustifiable. Immediate corrective action is required. 

XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4200.00} LATE PAYMENT * * This account is inaccurately reported as late without proper verification. No records, signed agreements, or payment histories have ever been produced to validate the claim. Reporting such unverifiable data violates FCRA 611 ( a ) ( 5 ) ( A ). The continued negative reporting misrepresents my creditworthiness and harms my financial reputation. Prior disputes have failed to prompt proper investigation, showing negligence and failure to comply with federal law. This misinformation affects credit decisions, interest rates, and personal financial planning. The repeated failure to validate the data demonstrates willful disregard. I demand the deletion of this account until proper verification is provided. Continued reporting creates confusion, stress, and legal exposure. Immediate compliance is required. 

XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5100.00} LATE PAYMENT * * This account continues to be reported inaccurately and without verification. I have never received documentation substantiating the late payment claims. The bureaus reporting violates FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ) and impacts my credit profile unfairly. The continued presence of this negative information could mislead lenders, harm professional relationships, and restrict financial opportunities. Prior reinvestigations have been incomplete and insufficient. I demand deletion until verifiable proof is provided. The inaccurate reporting causes unnecessary stress, potential legal issues, and misrepresentation of my creditworthiness. Immediate removal is required to restore accuracy and compliance with federal law. 

XXXXXXXX XXXX XXXX  Account # XXXX * Date Opened : XX/XX/XXXX Balance Owed : {$190.00} COLLECTION * * This collection account is being reported without proper verification. No evidence proving the debt is accurate or belongs to me has been provided. Reporting unverifiable data violates FCRA 623 ( a ) ( 2 ) and 611. The continued presence of this collection damages my credit score and misrepresents my payment history. Prior reinvestigations failed to verify the debt. I demand deletion until proper documentation is presented. Reporting unverified collections interferes with my financial life, professional opportunities, and credit access. Immediate removal is required to comply with federal law and restore accuracy. The bureaus repeated failure demonstrates negligence and disregard for consumer protections. 

XXXX Inquiry Dated XX/XX/XXXX This inquiry was obtained without permissible purpose or my authorization. I did not apply for credit nor consent to this hard inquiry. Reporting this inquiry violates FCRA 604 and 609. The presence of unauthorized inquiries can affect my credit score, mislead potential lenders, and cause unnecessary stress. Prior disputes have failed to correct this. I demand deletion and written verification of removal. Unauthorized reporting shows blatant disregard for federal law and consumer rights. Continued presence of this inquiry misrepresents my financial activity and violates my privacy. Immediate corrective action is required to comply with the law.

The inclusion of this false address, the incorrectly reported late payment, and the unauthorized inquiry have caused significant financial harm, reduced my credit score, and limited my access to credit. I request that CFPB ensure a full investigation under FCRA Section 611, correct or remove all inaccurate information, and ensure my credit report reflects accurate, verified, and legally authorized data. Immediate action is required to restore my creditworthiness and protect my legal rights
.

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