Consumer complaint received 2025-11-05 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: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against the credit reporting agencies and the creditors listed below for reporting false, misleading, and unverifiable information on my credit report. These actions have caused significant and ongoing harm to my credit reputation, emotional well-being, and financial stability. Despite my prior attempts to dispute these inaccuracies directly with the credit bureaus, the items have not been corrected or properly investigated in compliance with the Fair Credit Reporting Act ( FCRA ). 
Below are the specific accounts and issues I am disputing : WRONG ADDRESSES REPORTED : XXXX XXXX XXXXXXXX, NJ XXXX Wrong Address XXXX XXXX XXXX XXXX, NJ XXXX Wrong Address These addresses are completely incorrect and have never been associated with me. I have no rental, ownership, or mailing connection with any of these locations. The presence of such inaccurate addresses raises serious privacy and identity concerns. Please remove these addresses immediately from my credit file under FCRA 604 and 607 ( b ), as they represent false identification data. 
ACCOUNT DISPUTES : XXXX XXXX XXXX XXXX * Date Opened : XX/XX/XXXX | Balance Owed : {$320.00} | Late Payment I have never received any delinquency notice from this creditor. This entry appears to be either a system reporting mistake or misattributed to my profile. Please validate with the original creditor and remove any inaccurate information per FCRA 609 ( A ) ( 1 ). 
XXXX XXXX Acct XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$290.00} | Late Payment This late payment report is incorrect. I was never delinquent on this account. Please investigate thoroughly and update the record to reflect timely payments. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | Balance Owed : {$5800.00} | Late Payment This late payment status is false. I have maintained on-time payments consistently. Please conduct a reinvestigation and correct the account history to reflect accurate payment behavior. 
XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$630.00} | Late Payment This late payment claim is false. I have never missed or delayed any payment for this account. There is no proof of delinquency, and no written notice was provided to me. I demand correction of the payment history or removal of the account if validation can not be provided. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX * Date Opened : XX/XX/XXXX | Balance Owed : {$2800.00} | Late Payment I have maintained timely payments with XXXX XXXX XXXX XXXX and have never been notified of any late payment. This report is incorrect and defamatory. I request a full reinvestigation and prompt correction of this entry. 
XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | Balance Owed : {$3100.00} | Late Payment This late payment reporting is false and unverified. I have not missed any payments under this account. Unless written proof is provided directly from the original creditor, this entry must be removed from my credit report. 
XXXX Acct # XXXX * Date Opened : XX/XX/XXXX | Balance Owed : {$600.00} | Late Payment I dispute the late payment reporting entirely. I have no knowledge of ever being late or receiving any delinquency notice for this account. Please verify with the original creditor and remove any unverified or false information per FCRA 611 ( A ). 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$610.00} | Late Payment * * This late payment entry is completely inaccurate. I have never received a notice or document stating I was late on this account. Please verify the payment history with the original creditor and correct or delete this false information immediately. 
UNAUTHORIZED OR EXCESSIVE CREDIT INQUIRIES : The following inquiries were made without my knowledge, authorization, or consent. I never applied for credit with these companies at the times listed, and I have no relationship with many of these institutions. Under FCRA 604 ( a ) ( 3 ), an inquiry may only occur when a consumer has initiated a credit transaction. These inquiries violate that law and must be removed immediately. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Each of these inquiries negatively impacts my credit score and constitutes an invasion of my privacy. If you can not produce signed applications or authorization forms proving that I personally initiated these inquiries, they must be deleted immediately. 
REQUEST FOR CFPB INTERVENTION I have already attempted to dispute these items with the major credit bureaus, but the investigations were incomplete and failed to correct or remove the false information. These actions constitute noncompliance with FCRA 611 ( A ) and 607 ( B ), as the bureaus are required to ensure maximum possible accuracy and to delete unverifiable data.

I am requesting that the Consumer Financial Protection Bureau investigate these violations and compel the credit bureaus and creditors to : XXXX. Delete all unverifiable and inaccurate accounts and inquiries listed above. 
XXXX. Provide documentation proving verification or authorization where applicable. 
XXXX. Ensure my credit report is corrected and updated with accurate information. 
These inaccurate and unauthorized entries have caused me substantial emotional distress, loss of credit opportunities, and reputational harm. I expect a prompt investigation and appropriate enforcement action against all parties involved in this negligence and noncompliance.

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