Consumer complaint received 2025-07-28 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 filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding multiple accounts, address inaccurately reported on my credit file by creditors and debt collectors. Despite my repeated efforts to dispute these items with the credit reporting agencies, the inaccurate, unverifiable, and misleading information continues to appear on my report, causing serious harm to my creditworthiness and financial stability. I respectfully request the CFPB to intervene, investigate these matters thoroughly, and ensure compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I have outlined each disputed account below with supporting facts and applicable legal violations. 
XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX Address This address is inaccurately reported on my credit file though I have never lived or received mail at this location Law Issue : Per FCRA 611 and 607 ( b ), you are required to report only accurate, verifiable, and complete information Story : This address does not belong to me and its presence harms the integrity of my credit report. I request immediate deletion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Address This address is not my current or previous residence and is being falsely reported Law Issue : Under FCRA 609 ( c ) ( 2 ) and 602 ( A ), reporting outdated or wrong addresses violates my consumer rights Story : I did not authorize this address to be reported and have no connection to this residence. Please delete this immediately XXXX XXXX XXXXXXXX XXXX XXXXXXXX Address Incorrectly listed and I have never resided here Law Issue : Pursuant to FCRA 607 ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy Story : This address is damaging and misleading and must be removed from my file as I have no ties to it XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment XXXX XXXX Late payment reported despite account being paid off Law Issue : FCRA 607 ( b ) and 609 mandate that only accurate, verifiable data be reported Story : This account was paid as agreed and the late payment is false and unverified. Please delete this derogatory remark XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00} Chargeoff XXXX XXXX  Account reported as charge-off though I was never notified properly and dispute was not handled Law Issue : FCRA 623 ( b ) ( XXXX ) requires furnishers to investigate and correct disputed information Story : I never received proper validation or notice. The balance and charge-off are both inaccurate. I request deletion of this tradeline XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$26000.00} Late Payment * * A late payment is being reported inaccurately while I was under financial hardship protections Law Issue : FCRA 611 and CARES Act provisions require proper hardship coding during COVID-related deferments Story : I was under a deferment plan. This late payment is misleading and damaging. Please remove it XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment XXXX XXXX Reported as late after the account was closed and paid Law Issue : FCRA XXXX ( b ) demands accurate data. False derogatory reporting is noncompliant Story : I completed all payments. There should be no late remark on this account. Please delete it XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * Account marked charged-off even after successful rehabilitation and closure Law Issue : Under FCRA 611 and FDCPA, incorrect account status must be corrected Story : This account was resolved and closed. The charge-off is misleading and must be deleted XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Collection * * This is a duplicate of the above XXXX  account XXXX causing double damage Law Issue : FCRA 605 and 607 prohibit duplicate negative entries for the same debt Story : This is a duplicate and misleading entry for the same account already listed by XXXX. Please remove it immediately XXXX  XX/XX/XXXX Inquiry Hard inquiry conducted without permissible purpose Law Issue : FCRA XXXX ( a ) ( XXXX ) prohibits hard inquiries without my consent or application Story : I did not authorize any application or credit pull from XXXX. Please delete this inquiry XXXX XXXX XX/XX/XXXX Inquiry Unauthorized hard inquiry listed on my report Law Issue : FCRA 604 ( a ) ( XXXX ) demands written authorization for such inquiries Story : I never applied for credit with XXXX XXXX. This inquiry is unauthorized and must be removed XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Inquiry Listed inquiry was not authorized by me or initiated Law Issue : FCRA XXXX mandates all inquiries require proper authorization Story : This inquiry is unauthorized and harmful to my credit. I request it be removed XXXX XX/XX/XXXX Inquiry Credit pull not authorized and violates my privacy Law Issue : FCRA XXXX ( a ) ( XXXX ) requires a legitimate business need or my consent Story : I did not initiate this inquiry and request its deletion These accounts, address have significantly harmed my creditworthiness and mental well-being. I respectfully request that the CFPB take immediate action by initiating an investigation, compelling the data furnishers to provide full documentation verifying these debts or instructing the credit bureaus to delete the accounts due to failure to comply with federal consumer protection laws. I am also requesting that all credit bureaus update or delete any inaccurate information resulting from this dispute. I am exercising my rights under the FCRA and FDCPA and seeking the assistance of the CFPB to enforce fair and accurate reporting practices as guaranteed under federal law.

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