Consumer complaint received 2025-08-20 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 submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my consumer report contains multiple inaccurate addresses, accounts, late payments, charge-offs, collections, and unauthorized inquiries. These errors are seriously damaging my creditworthiness, preventing me from obtaining fair financial opportunities, housing, and employment. I have disputed these items with the credit reporting agencies, but they remain on my report in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that the CFPB step in to enforce my rights and ensure that the credit bureaus and furnishers comply with the law. 

ADDRESS XXXX XXXX XXXX, XXXX XXXX, CA, XXXX Law : FCRA Section 609 ( a ) Right to Accuracy and Verification Issue : This is not my address and reporting it associates me with locations I never lived at Story : I have never lived at this address, it is completely unrelated to my personal history, and its reporting creates the false impression that I have financial ties to accounts or obligations I do not recognize. This misinformation is causing confusion in my credit file, lowering my credibility, and creating unnecessary financial hardship. I demand immediate deletion of this inaccurate address XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Law : FCRA Section 604 ( a ) ( 2 ) Permissible Purpose of Information Issue : This address is being reported without proper verification Story : I have never lived at or used this address for any financial purpose. Its appearance on my file suggests potential mixed-file errors or identity issues, which harms my reputation as a responsible consumer. The continued reporting of this inaccurate address creates emotional distress, potential denial of credit, and unfair associations. This must be permanently removed ACCOUNTS XXXX  XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$700.00} Late Payment Law : FCRA Section 623 ( a ) ( 1 ) ( A ) Duty to Provide Accurate Information Issue : Late payments reported are not accurate Story : This account is inaccurately showing late payments that do not reflect my actual payment history. These false entries are misleading lenders, unfairly damaging my credit score, and causing both emotional and financial distress. Without proper documentation proving the accuracy of these late payments, this derogatory reporting must be deleted immediately XXXX XXXX BANK XXXX  XXXX Open Date XX/XX/XXXX Balance : {$840.00} Late Payment Law : FCRA Section 611 Right to Reinvestigation Issue : Account inaccurately reflects late payments Story : I dispute the accuracy of the reported late payments because they do not match my personal records. This false reporting creates the impression that I am financially irresponsible, which is untrue and harmful. It is preventing me from obtaining fair credit and creating stress in my personal life. If the furnisher can not provide proper proof, this account must be removed XXXX BANK XXXX XXXX Open Date XXXX XXXX, XXXX Balance : {$610.00} Late Payment Law : FCRA Section 602 ( A ) Accuracy in Consumer Reports Issue : Reported late payments are inconsistent with my payment history Story : The late payment reporting on this account is inaccurate and harmful. It misrepresents my financial behavior, resulting in higher interest rates and potential denial of opportunities. This misinformation is damaging my reputation and financial stability. Since it can not be properly verified, it must be deleted XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00} Late Payment Law : FCRA Section 607 ( b ) Maximum Possible Accuracy Issue : An account with a zero balance should not be showing derogatory payment history without supporting documentation Story : This reporting makes no sense, as the account balance is zero but still reflects late payments. This contradiction shows a failure in accurate reporting, damaging my creditworthiness and misleading potential lenders. The presence of this derogatory history with no outstanding debt is unfair and must be deleted immediately XXXX XXXX Open Date XX/XX/XXXX Balance : {$2900.00} Chargeoff Law : FCRA Section 623 ( b ) Obligation to Correct and Update Information Issue : This charge-off is inaccurate and unverifiable Story : This account has been reported as a charge-off without proper proof or documentation. Its reporting creates the appearance of financial irresponsibility when in fact I have no verified obligation tied to this balance. This error is financially harmful, emotionally distressing, and must be removed if the furnisher can not validate with solid evidence XXXX  XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00} Chargeoff Law : FCRA Section 609 Right to Full Disclosure Issue : Account is marked charge-off despite zero balance Story : Reporting a charge-off with a balance of zero is contradictory and misleading. It creates the false impression of delinquency even though no balance exists. This error is damaging my financial reputation, blocking access to fair credit, and causing unnecessary stress. I demand deletion of this unverifiable account XXXX  XXXX Open Date XX/XX/XXXX Balance : {$1700.00} Chargeoff Law : FCRA Section 607 ( b ) Duty to Report Accurate Information Issue : The charge-off is being reported without proper validation Story : This charge-off entry is harmful, inaccurate, and unverifiable. It creates the appearance of unfulfilled obligations, damaging my credibility as a borrower. Without validated proof from the furnisher, this derogatory reporting is false and must be deleted immediately XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$6800.00} Collection Law : FDCPA Section 807 ( 8 ) False or Misleading Representation Issue : Collection reporting is inaccurate and unverifiable Story : This collection account is being reported without proper validation of debt. I have never received any verification, and the reported balance is inflated. This unfair reporting is causing financial harm, emotional stress, and limiting my access to fair credit. Since the debt can not be validated, this account must be deleted XXXX XXXX XXXX XXXXXXXX Date Opened XXXX XXXX, XXXX Balance : {$0.00} Collection Law : FDCPA Section 809 ( b ) Validation of Debts Issue : Reporting a collection account with a zero balance is inaccurate and misleading Story : This entry creates false derogatory impact on my credit without any real obligation tied to it. Reporting a collection with no balance is unfair and damaging, creating stress and confusion in my credit file. This inaccurate reporting must be permanently deleted INQUIRIES XXXX XXXX  XX/XX/XXXX Inquiry Law : FCRA Section 604 Permissible Purpose of Consumer Reports Issue : Unauthorized inquiry on my report Story : I never authorized this company to access my credit report. This inquiry was conducted without my knowledge or consent, which violates my rights under the FCRA. The unauthorized inquiry lowers my credit score and misrepresents my financial behavior, creating unnecessary hardship. I demand its immediate removal I am asking the Consumer Financial Protection Bureau ( CFPB ) to investigate these violations and require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. The inaccurate addresses, unverifiable accounts, and unauthorized inquiries must be corrected or deleted immediately. These errors are causing me real financial harm, and I rely on the CFPB to enforce my rights under federal law and hold the responsible parties accountable.

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 explanation