Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint against the credit reporting agencies for their failure to ensure the accuracy and integrity of the information appearing on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ) Sections 602 ( A ), 607 ( B ), and 611 ( A ). Despite my prior disputes, these entities continue to report inaccurate and unverifiable information, causing ongoing damage to my creditworthiness and reputation.

Wrong Address Reporting The following addresses are being incorrectly listed on my credit report, and I have no association or residency history with them : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address These listings are completely inaccurate and should be removed immediately. Their continued presence raises serious data accuracy concerns under FCRA 607 ( b ), which mandates consumer reporting agencies to maintain maximum possible accuracy.

Inaccurate Account Reporting Late Payment Claims The following accounts are being wrongly reported as having late payments, which is false and damaging. I have never made any late payments on these accounts, and no verifiable evidence has ever been provided by the furnishers to support these claims. Each account listed below must be corrected immediately to reflect a perfect payment history : XXXX XXXX XXXXXXXX XXXX High Balance : {$7100.00} Date Opened : XX/XX/XXXX Late Payment ( Inaccurate ) XXXX XXXX XXXX XXXX High Balance : {$5300.00} Date Opened : XX/XX/XXXX Late Payment ( Inaccurate ) DPT ED/XXXX XXXX High Balance : {$2300.00} Date Opened : XX/XX/XXXX Late Payment ( Inaccurate ) DPT ED/XXXX XXXXXXXX XXXX High Balance : {$4700.00} Date Opened : XX/XX/XXXX Late Payment ( Inaccurate ) DPT ED/XXXX XXXXXXXX XXXX High Balance : {$5500.00} Date Opened : XX/XX/XXXX Late Payment ( Inaccurate ) DPT ED/XXXX XXXXXXXX XXXX  High Balance : {$2000.00} Date Opened : XX/XX/XXXX Late Payment ( Inaccurate ) DPT ED/XXXX XXXXXXXX XXXX High Balance : {$10000.00} Date Opened : XX/XX/XXXX Late Payment ( Inaccurate ) DPT ED/XXXX XXXX XXXX  High Balance : {$23000.00} Date Opened : XX/XX/XXXX Late Payment ( Inaccurate ) DPT ED/XXXXXXXX XXXX XXXX High Balance : {$10000.00} Date Opened : XX/XX/XXXX Late Payment ( Inaccurate ) DPT ED/XXXX XXXX High Balance : {$16000.00} Date Opened : XX/XX/XXXX Late Payment ( Inaccurate ) Under FCRA 611 ( A ), consumer reporting agencies must conduct a reasonable reinvestigation when a dispute is filed and must delete or correct any data that can not be verified. The agencies have failed to comply with this legal obligation.

Requested Resolution I respectfully request that the CFPB investigate these violations and take immediate corrective action by directing the credit bureaus to : Delete the two inaccurate addresses from my credit report.

Correct all listed accounts to remove false late payment notations.

Ensure compliance with FCRA 607 ( b ) and 611 ( a ) for accurate reporting and proper reinvestigation.

These errors have caused unnecessary harm to my financial standing and emotional distress, and I expect prompt action to resolve these violations.

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