Consumer complaint received 2025-09-26 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 filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccuracies on my credit report, including incorrect address reporting, false late payments, and unauthorized inquiries. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) and are causing significant harm to my creditworthiness, financial stability, and personal reputation. Despite my repeated attempts to correct these inaccuracies with the credit bureaus and creditors, the issues persist, necessitating CFPB intervention to ensure compliance with federal law and proper resolution. 

Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This address has never been associated with me, nor have I resided or received mail here. The reporting of this address violates FCRA 609 ( a ) ( 1 ) as it represents inaccurate personal information. It has been used to link false accounts to my name. My official records and utility bills show no activity at this address. Including this address creates risk of identity confusion. I have requested removal previously, yet it persists. It affects lenders assessment of my creditworthiness. This reporting is misleading and fails FCRA 611 standards. Misreporting of addresses is considered materially inaccurate. This address is not recognized by postal services in my name. It has led to wrongful denials of credit. I demand deletion. I am prepared to provide evidence of my actual residence. Accurate credit reporting is mandated under FCRA 607 ( b ). Reinvestigation is required. Improper reporting is harming my financial reputation. Immediate correction is required. All reporting agencies must update my file to remove this erroneous address. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This address is entirely incorrect and has never been my residence. Reporting it violates FCRA 611. My official records contradict this listing. Credit bureaus are required to maintain accurate files. Its inclusion has led to accounts being wrongly attributed to me. I have documentation proving residency elsewhere at all relevant times. The false reporting of this address has negatively affected my credit. FCRA 623 requires furnishers to report complete and accurate information. The presence of this address suggests negligent reporting practices. Previous disputes were ignored. This address can not be validated with any proof of residence. The misreporting contributes to identity confusion. It is materially inaccurate information. Removal is required immediately. I request confirmation of the correction. Failure to remove this address violates my consumer rights. The continued presence is prejudicial. Accurate credit files are my legal right. Immediate action is required. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have no association with this address. FCRA 609 ( b ) protects consumers against inaccurate information. Its inclusion has led to wrongful account links. I have never lived, received mail, or conducted business here. This misreporting is materially misleading. Verification attempts would show no connection. Reporting false addresses is a violation of FCRA 611. It creates risk of identity theft and damages my credit history. My personal records prove this address is unrelated. I demand deletion. All credit bureaus must ensure accuracy under 607 ( b ). Previous disputes were ignored, showing negligence. Inaccurate addresses impact lenders decision-making. This address affects my credit score. Its continued reporting is harmful. I request written confirmation of its removal. Credit accuracy is legally mandated. Immediate correction is required. 

Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX  This account has been inaccurately reported with late payments that did not occur. FCRA 1681i requires accurate reporting and reinvestigation of disputed items. I have documentation proving all payments were timely. Reporting false late payments violates my rights under FCRA 609 ( a ) ( 1 ) and 611. The misreporting has negatively affected my credit score. Previous disputes did not result in correction. The account has been reported inconsistently. Furnisher has not verified the reported late payments. This inaccurate reporting is materially misleading. It affects lenders assessment of my creditworthiness. Continued reporting is damaging and legally actionable. I demand correction to reflect accurate payment history. Reinvestigation must include verification of payment dates. Inaccurate reporting violates my legal protections. My financial history must be accurately represented. Immediate update is required. Correction must be reported to all credit bureaus. I expect written confirmation of changes. 

Inquiry XXXX XX/XX/XXXX This inquiry was not authorized by me. FCRA 604 ( a ) requires explicit consent for credit access. Unauthorized inquiries negatively affect my credit score. The inquiry is materially misleading. Reporting it without authorization violates my rights. Previous disputes were ignored. The inquiry is illegal under 607 ( b ). Its removal is required immediately. It has contributed to inaccurate credit assessment. Continued reporting is a legal violation. I request written confirmation of deletion. The furnisher can not provide evidence of my authorization. Unauthorized inquiries are prejudicial. Immediate correction is legally mandated. I expect compliance with FCRA. 

XXXX XXXXXX/XX/XXXX I did not authorize this inquiry. Reporting it violates FCRA 604 ( a ) and 607 ( b ). It negatively impacts my creditworthiness. I request removal immediately. Furnisher has no proof of authorization. Its inclusion is materially inaccurate. Previous disputes were ignored. Unauthorized inquiries are prohibited under FCRA. This affects my financial opportunities. I demand confirmation of deletion. Continued reporting is illegal. My rights are protected under 1681i. Accurate reporting is mandatory. The inquiry must be removed immediately. It has harmed my credit assessment. Verification will fail. Immediate correction is required. 

I request that the CFPB direct the credit reporting agencies to immediately correct my inaccurate address, remove the false late payment on my XXXX XXXX  account, and delete the unauthorized XXXX inquiry. Under FCRA 611 ( a ), I am entitled to prompt reinvestigation of disputed items, which has not been conducted properly. These ongoing reporting errors have caused tangible harm to my financial reputation, opportunities, and well-being. I am submitting supporting documentation, including proof of address, bank statements, payment confirmations, and evidence of non-authorization for the inquiry. I request written confirmation from CFPB and the credit bureaus regarding the actions taken to correct these errors, in full compliance with federal law, ensuring accurate reporting and protection of my rights as a consumer.

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