Consumer complaint received 2025-10-06 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:
To the Consumer Financial Protection Bureau ( CFPB ), I am submitting this formal complaint for immediate investigation into serious violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). My credit report currently reflects multiple wrong addresses, inaccurate late payments, and an invalid collection account that do not belong to me and were reported without proper verification or authorization. These false and misleading entries have severely harmed my credit reputation, caused unnecessary denials of credit, and inflicted ongoing financial and emotional distress. I am invoking my rights under 15 U.S.C. 1681i and 1681s-2 to request that the CFPB take direct action to ensure that all data furnishers and credit reporting agencies comply with federal law by removing or correcting all disputed and unverifiable information. The following are the specific items in question that must be investigated immediately. 

Wrong Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This address continues to appear on my file even though I have never lived, worked, or conducted any credit activity connected to it. Reporting an inaccurate address is a violation of FCRA 607 ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy of information. The inclusion of this address suggests negligence in maintaining proper data integrity. No creditor or public record exists that verifies any association between me and this location. This false information contributes to identity confusion and may link my report to accounts or activity that do not belong to me. FCRA 611 ( a ) ( 5 ) mandates deletion of unverifiable information within 30 days, and retaining this address without validation violates that federal timeline. By keeping this address active, you are allowing potential identity mismatching and unauthorized reporting that directly impacts my credit reputation. My personal data deserves lawful handling, not arbitrary assumptions. The FCRA clearly states that every data point must be verified through direct documentation from the furnisher, not through automated matching systems. Any continued reporting without proof will be treated as willful noncompliance under FCRA 616 and 617, exposing your bureau to legal liability. My previous letters have included identity documents verifying my true residence, yet this error remains. Each reinsertion without certification under 611 ( a ) ( 5 ) ( B ) is illegal. My credit file must reflect only true, verified information. This address must be permanently removed as its inclusion misrepresents my history and creates false narratives about my residency, which is strictly prohibited under federal law. 

Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This incorrect address has been repeatedly disputed and remains unverified, proving that your reinvestigation process has failed to meet the reasonable standards set forth in FCRA 611 ( a ) ( 1 ) ( A ). I have no known association with this address, and no documentation has ever been provided that ties me to this PO Box . Continuing to list this address violates FCRA 604 ( a ) ( 2 ) and 607 ( a ) because there is no permissible purpose to maintain unverified information on my credit file. The FCRA places the burden of proof on the bureau and the furnisher to verify disputed data with credible documentation. No lease, utility bill, or financial record connects me to this address, and any automated database verification is insufficient under 611. This address creates confusion and may falsely connect me to other consumers or debts not belonging to me, which can cause credit denials and reputational damage. Under 611 ( a ) ( 5 ), unverifiable information must be deleted immediately, not marked as disputed. Keeping this record after multiple challenges is an act of negligence and intentional disregard for compliance. I demand certified proof from the data furnisher that shows why this PO Box remains listed. The FCRA also provides under 616 that consumers may seek damages when agencies willfully fail to follow reasonable procedures to assure accuracy. I am exercising my full rights under this federal law to demand its immediate deletion. I expect confirmation in writing that this address has been permanently deleted from my file and not reinserted without proper certification. Failure to do so will be treated as a willful and reckless disregard for the law. 

Account : XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * This account inaccurately reports a late payment despite showing a zero-dollar balance, which is factually inconsistent and misleading. FCRA 607 ( b ) prohibits consumer reporting agencies from including any information that can not be verified as accurate. Reporting a late payment on an account that shows no balance suggests that there was no valid delinquency to report. Furthermore, under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting data they know or have reason to believe is inaccurate. If this account was paid in full or closed with a XXXX balance, then any notation of delinquency is deceptive and unlawful. I have previously requested proof of this alleged late payment, yet no valid documentation has been provided by the furnisher or the bureau. A proper reinvestigation requires reviewing original records, not automated data transfer from third-party sources. The continued reporting of this false information harms my creditworthiness, affects my loan eligibility, and violates 611, which mandates deletion if verification can not be obtained. It is also worth noting that FCRA 602A states that inaccurate reporting undermines public confidence in the credit system and harms the consumers right to fair and accurate representation. The bureau must confirm that this account has verifiable payment history documentation before maintaining any late mark. If the data can not be authenticated by signed statements, billing history, or internal payment logs, it must be removed. The burden of proof lies entirely on the bureau and the furnisher. The failure to provide proof while keeping this false data active constitutes negligence, and under 616 and 617, you are legally liable for damages resulting from such continued inaccuracy. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Collection * * This account appears as a collection without validation, in violation of both the FCRA and the FDCPA. Under FDCPA 809 ( b ), a consumer has the right to request validation of a debt before it is reported or collected, yet no proof has been provided to establish the legitimacy of this alleged debt. Reporting a collection without validation violates FCRA 611 and 623 ( b ), as both the furnisher and the bureau must ensure accuracy and perform a meaningful reinvestigation. No signed contract, itemized statement, or original creditor proof has been presented to justify the {$1300.00} balance. Any collection reported without verifiable evidence of ownership or authorization is a direct breach of consumer protection law. FCRA 607 ( b ) requires maximum possible accuracy, and the continued reporting of unverifiable accounts violates this core principle. Every piece of data reported must have documentary backing from the original creditor. If the bureau can not obtain this validation, the information must be deleted within 30 days as mandated by 611 ( a ) ( 5 ). The continuous presence of this account after several disputes demonstrates systemic negligence and lack of compliance with the reasonable reinvestigation requirement. The emotional and financial harm caused by this unlawful reporting includes damaged credit standing, increased borrowing costs, and distress from false debt collection notices. Such actions are considered willful under 616 of the FCRA and entitle me to seek statutory and punitive damages. Unless you can produce documentation proving this debt belongs to me and was lawfully reported, I demand immediate deletion of this collection entry from my credit file. 

I respectfully request that the Consumer Financial Protection Bureau take immediate action to investigate these violations of federal law by the credit reporting agencies and furnishers. The wrongful reporting of inaccurate addresses, late payments, and a false collection account is a direct violation of my rights under the FCRA and FDCPA. I request that the CFPB compel the responsible parties to delete or correct all inaccurate and unverifiable information, conduct a lawful reinvestigation under 1681i, and provide me with written proof of compliance. I am seeking full restoration of my credit integrity, along with accountability from the entities that failed to uphold federal consumer protection standards.

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