Consumer complaint received 2025-11-20 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 filing this complaint because the furnishing parties and the credit bureau have continued reporting inaccurate, incomplete, and unverifiable information even after multiple disputes. I have suffered ongoing harm, denial of opportunities, and emotional distress. I am requesting the CFPB to conduct a full investigation and ensure compliance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and all applicable federal laws. 

ADDRESSES XXXX XXXX XXXX, CA XXXX This address is being reported even though it is not connected to me, and the bureau has failed to obtain any permissible-purpose documentation as required by FCRA 611 ( A ) ( 1 ) ( A ). Continuously reporting an address without verified source documentation violates FCRA 602 ( A ) and 607 ( B ), which mandate accuracy and proper procedures. The address must be deleted because it is not mine and can not be verified. 

XXXX XXXX XXXX XXXX, CA XXXX This address has no connection to me, and the reporting of it reflects negligent maintenance of my consumer file in violation of FCRA 602 ( A ) and 607 ( B ). Because your agency has not produced any hard-copy documentation linking me to this residence, the address can not remain and must be deleted immediately under FCRA 611 ( A ) ( 5 ). 

XXXX XXXX XXXX, CA XXXX This address is not mine, and keeping it on my file is a direct violation of FCRA 607 ( B ) since no verified furnisher documentation exists. Inaccurate address reporting damages my file and is unlawful if it can not be verified, and under FCRA 611 ( A ) it must be deleted for failure to meet the accuracy and verification standards. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} The late payment history you are reporting is inaccurate because I have never made any late payment on this account. FCRA 607 ( B ) requires maximum possible accuracy, and FCRA 611 ( A ) requires reinvestigation with actual proof such as payment records or account-level documentation, which has never been produced. Reporting a false late payment violates my rights and damages my credit standing under FCRA 602 ( A ). This late payment must be corrected immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$25000.00} I have no knowledge of this account, and no furnisher or bureau has provided any documentation showing that I opened, used, or authorized this account. Reporting an account I do not recognize violates FCRA 602 ( A ), 607 ( B ), and 611 ( A ) because nothing has been properly verified according to federal standards. Since the charge-off can not be tied to me with legally required evidence, it must be permanently deleted under FCRA 611 ( A ) ( 5 ). 

XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX This inquiry was not authorized by me and violates FCRA 604 ( A ) ( 2 ) because no permissible purpose exists. Furnishers and bureaus are required under FCRA 607 ( B ) to ensure inquiries have lawful authorization, and if they can not provide documentation proving my consent, the inquiry must be removed under FCRA 611 ( A ) for failure to verify.

I request that the CFPB enforce strict compliance, order a full reinvestigation, require deletion or correction of all inaccurate items, and ensure all furnishers provide proper verification. I also request documentation proving each furnisher validated the disputed information. I want all inaccurate addresses, accounts, and inquiries permanently removed.

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