Consumer complaint received 2025-09-22 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: NY

Complaint narrative:
I am submitting this complaint because my credit reports contain multiple inaccurate items, wrong addresses, unverifiable accounts, late payments, charge offs, and unauthorized inquiries. These items are being reported in violation of the Fair Credit Reporting Act ( FCRA ) Sections 602 ( A ), 607 ( b ), 609 ( a ), 611, and 623. These inaccuracies are damaging my credit reputation, causing financial hardship, and preventing me from accessing fair credit opportunities. I respectfully request the Consumer Financial Protection Bureau to investigate these violations and require the credit bureaus and furnishers to correct or delete the inaccurate information listed below. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXXXXXX Wrong Address This address is not mine, I have never lived there nor have I ever been associated with this location. Reporting wrong addresses creates confusion and can link me to accounts or activities that do not belong to me. Under FCRA Section 609 ( a ) and Section 611, I have the right to correct personal information and inaccurate addresses must be deleted immediately. This false address is creating serious problems, including creditors doubting my true identity and lenders assuming fraudulent activity. This is damaging both my reputation and ability to rebuild my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Wrong Address This is also not my address and it is being falsely reported. Retaining wrong addresses creates a misleading identity profile, which is a violation of FCRA Section 607 ( b ) requiring maximum possible accuracy. Having multiple unknown PO Box addresses attached to my file suggests fraud and causes underwriters to deny me applications out of fear that I am using different addresses for fraudulent purposes, which is absolutely false. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Wrong Address I have no connection to this address. It is a violation of FCRA to mix consumer files with wrong identifiers. This false reporting may cause me to be linked to accounts or collections that are not mine and must be deleted. When lenders review my file, they question why a XXXX address is tied to me when I never lived there, which has caused humiliation and unnecessary rejections. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX Balance {$12000.00} Late Payment This account is being inaccurately reported with late payments. I have disputed these lates before but the furnishers have failed to provide proper validation. This is a violation of FCRA Section 623 ( a ) ( 1 ) ( A ) because furnishers are reporting information they know or should know is inaccurate. This negative reporting is damaging my creditworthiness, resulting in higher interest rates and loan denials. Without proper documentation proving the accuracy of these late payments, they must be removed immediately under Section 611. These false lates make it look like I do not pay my bills on time, but in reality, I have made consistent payments and I have documentation that the creditor did not apply payments correctly. Because of these errors, I was recently denied a personal loan that I needed for emergency medical expenses, leaving me in financial hardship. 
XXXX  XXXX XXXX Inquiry This inquiry is being reported and is negatively affecting my credit file. Hard inquiries must only be reported if they are authorized. I did not provide authorization for this inquiry, making it a violation of the Fair Credit Reporting Act. Because of this inquiry, my score dropped unexpectedly, which is unfair since I never permitted this pull. 
The wrong addresses, false late payments, charge offs, and unauthorized inquiries listed above are materially inaccurate and unverifiable. The furnishers and credit bureaus are in violation of their legal duties under the FCRA to maintain accuracy and conduct proper investigations. I am demanding immediate deletion of these items and written confirmation once corrected. If these violations are not addressed, I will pursue further legal action for willful noncompliance under FCRA Section 616 and negligent noncompliance under Section 617.

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