Consumer complaint received 2025-12-18 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: PA

Complaint narrative:
I am submitting this complaint to formally dispute multiple inaccurate, unverifiable, and improperly reported items appearing on my consumer credit report. Despite prior disputes, these items continue to be reported without proper investigation, documentation, or compliance with federal consumer protection laws. These inaccuracies are causing ongoing financial and reputational harm. 

Address : XXXX XXXX XXXX XXXX, XXXX, PA XXXX I have no knowledge of this address and have never lived at or used it. 
FCRA Violations : 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) Failure to properly reinvestigate disputed information This address must be deleted immediately from my credit file.

XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  | Balance : {$0.00} | Reported Late Payment I dispute the accuracy and reporting of the late payment history. A XXXX-balance account being reported with adverse information raises serious accuracy concerns. 
FCRA Violations : 15 U.S.C. 1681e ( b ) Inaccurate reporting 15 U.S.C. 1681s-2 ( a ) ( 1 ) Furnisher duty to report accurate information Correct or update the late payment history to reflect accurate, verifiable data.

XXXX / XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$2800.00} | Late Payment I dispute the late payment reporting as inaccurate and not properly verified. 
FCRA Violations : 15 U.S.C. 1681i ( a ) ( 2 ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681e ( b ) Update or correct the late payment history to ensure full accuracy.

XXXX / XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$3800.00} | Late Payment The reported late payment history is disputed for accuracy and completeness. 
FCRA Violations : 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681i ( a ) ( 1 ) Immediate correction of inaccurate late payment information.

XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$3800.00} | Late Payment I dispute the timing, status, and accuracy of the reported late payments. 
FCRA Violations : 15 U.S.C. 1681s-2 ( b ) Failure to properly investigate disputes 15 U.S.C. 1681e ( b ) Correct the late payment reporting to reflect verified and accurate data.

XXXX / XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$8700.00} | Late Payment The late payment reporting is inaccurate and misleading. 
FCRA Violations : 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681i ( a ) ( 1 ) Update and correct all inaccurate late payment entries.

XXXX / XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$7200.00} | Late Payment I dispute the accuracy and completeness of this late payment history. 
FCRA Violations : 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681i ( a ) ( 2 ) Immediate correction of inaccurate reporting.

XXXX / XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$4000.00} | Late Payment This late payment reporting is not properly verified. 
FCRA Violations : 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681s-2 ( b ) Correct or update the account to reflect accurate information only.

XXXX XXXX XXXX XXXX XXXXXXXX  I have no knowledge of or authorization for these inquiries. 
FCRA Violations : 15 U.S.C. 1681b No permissible purpose 15 U.S.C. 1681e ( b ) These inquiries must be deleted immediately.

The continued reporting of inaccurate and unauthorized information violates the Fair Credit Reporting Act. I request immediate correction of inaccurate late payment reporting and deletion of unauthorized inquiries and incorrect personal information.

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