Consumer complaint received 2025-11-19 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: GA

Complaint narrative:
I am submitting this complaint because multiple items appearing on my credit reports are inaccurate, unverified, and damaging to my credit profile. I have attempted to resolve these matters with the credit reporting agencies, but the incorrect information continues to appear. I am requesting the CFPBs assistance in ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). 

1. Incorrect Addresses ( Not Mine ) The following addresses do not belong to me. I have no connection to them and never lived at these locations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses must be removed immediately as they are inaccurate and suggest potential mixed files or identity errors. 

2. Incorrect Late Payment Reporting ( I Have Never Made Any Late Payments ) The following creditors are reporting late payments that are 100 % incorrect. I dispute these as inaccurate and unverifiable, as I have never been late on these accounts. Under the FCRA, only accurate and fully verified information may be reported. 

XXXX XXXX XXXX XXXX  High Balance : {$1000.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX  High Balance : {$2700.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX  High Balance : {$3500.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$17000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$16000.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX  High Balance : {$4500.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX High Balance : {$3000.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX  High Balance : {$2200.00} Date Opened : XX/XX/XXXX I request that the CFPB ensure these furnishers provide complete, verifiable proof of any late payments.

If they can not verify through proper documentation, these inaccurate late payment marks must be corrected immediately.

3. Collection Accounts ( I Have No Knowledge of These Accounts ) The following collection accounts are unknown to me, and I have no knowledge or relationship with these companies. These appear to be erroneous or fraudulent. 

XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$290.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$760.00} Date Opened : XX/XX/XXXX Under the FCRA, unverified or incorrect collection accounts must be deleted. I request full validation from these furnishers. 
If they can not provide contracts, statements, or evidence linking these accounts to me, these must be removed immediately. 

FCRA Violations The continued reporting of incorrect addresses, inaccurate late payments, and unknown collection accounts violates : FCRA 602 Maximum possible accuracy FCRA 611 Duty to reinvestigate FCRA 607 ( b ) Reasonable procedures to assure accuracy I am requesting the CFPBs help to compel the credit bureaus and furnishers to properly investigate and correct these violations.

Requested Resolution I respectfully request : Removal of all incorrect addresses.

Correction of all inaccurately reported late payments.

Full validation or deletion of the unverified collection accounts.

Written confirmation of the actions taken.

Thank you for your attention. I request prompt review and resolution.

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