Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX XXXX for repeatedly reporting inaccurate and unverifiable information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite my right to an accurate and fair credit file, XXXX  continues to report false information, outdated addresses, an incorrect late payment, and several unauthorized inquiries. These errors have caused significant harm to my credit standing and have violated my consumer rights. 
Personal Information Errors ( Addresses ) : XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX, IL XXXX These addresses are inaccurate and do not belong to me. I have never resided at or used these locations for any financial or credit purposes. Including these incorrect addresses in my report violates FCRA Section 602A which mandates consumer reports to maintain maximum possible accuracy. I request immediate deletion of all these erroneous addresses from my credit file. 
XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported Late Payment XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2300.00} This account is reporting a late payment that is completely inaccurate. I have never missed, delayed, or defaulted on any payment related to this account. Reporting false payment history violates FCRA 623 ( a ) ( 1 ) ( A ) which prohibits furnishers from reporting information they know or should know to be inaccurate. Furthermore, it is against FCRA Section 611 ( a ) for the credit bureau to continue reporting disputed inaccurate information without proper reinvestigation.

I demand that this account be thoroughly verified with proper documentation from the furnisher. If the creditor can not provide original proof with exact payment dates and signed records validating this late payment, this entry must be deleted immediately. Continuing to report unverified information is a willful violation under FCRA Section 616 and Section 617, and I reserve my right to pursue legal remedies if this remains unresolved. 
Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX I have never authorized these companies to access my credit file. Under FCRA Section 604 ( a ) ( 3 ), a permissible purpose must exist for any company to make a credit inquiry. Since I did not apply for any credit, employment, or insurance with these entities, these inquiries are unauthorized and a direct violation of my consumer rights. 
XXXX failure to maintain accurate data and to conduct proper investigations into my disputes has caused unnecessary emotional XXXX, lowered my credit score, and hindered my ability to qualify for financial opportunities. These actions are in direct violation of FCRA Sections 602, 604, 611, and 623, as well as FDCPA 807 ( 8 ) which prohibits communication of false credit information.

I am requesting the CFPB to intervene and enforce the immediate correction or deletion of all inaccurate items from my XXXX  credit report. I am also requesting that XXXX  be held accountable for failing to comply with federal reporting standards and for violating my rights as a consumer. 
I have attached a copy of my dispute letter sent to XXXX along with identifying documents and the relevant portion of my credit report as supporting evidence. 
Requested Resolution : Immediate removal of all inaccurate addresses.

Immediate deletion of the XXXX  XXXX  late payment entry.

Immediate removal of the unauthorized inquiries. 
Written confirmation from XXXX  verifying completion of corrections. 
Thank you for your time and attention to this serious matter. I trust that the CFPB will take appropriate action to ensure that XXXX  complies with federal law and restores the accuracy of my consumer credit report.

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