Consumer complaint received 2025-08-29 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: SC

Complaint narrative:
I am submitting this complaint to the CFPB to address multiple inaccuracies, fraudulent entries, and misreported accounts on my credit report. These errors are severely impacting my creditworthiness, ability to obtain financial products, and overall financial reputation. Despite my efforts to resolve these disputes directly with the credit bureaus and creditors, the inaccuracies persist. I am requesting the CFPBs oversight and intervention to ensure full compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and to hold all relevant parties accountable for reporting accurate information. 

Wrong Address : XXXX XXXX XXXX, SC XXXX Law : FCRA Section 607 ( b ) Consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy.

Issue : This address is not associated with me. Its continued reporting misrepresents my personal history. 
Story : I have never resided at XXXX XXXX, XXXX, SC XXXX. Including this address on my file falsely links me to a location unrelated to me. This misrepresentation can lead to incorrect credit decisions by lenders, denial of loans, or other financial harm. The bureau has a legal obligation to ensure that only accurate addresses appear on my file, yet this false address remains uncorrected despite my previous disputes. 

Wrong Address : XXXX XXXX XXXX XXXX XXXX, SC XXXX Law : FCRA Section 609 Consumers can request verification of information ; bureaus must ensure data is accurate.

Issue : This address is not connected to me and should not be reported.

Story : I have never lived or conducted any financial activity at XXXX XXXX XXXX, XXXX XXXX. Reporting this address falsely links me to a location I have no connection with. The inclusion of such false data damages my credit reputation and can affect housing or employment checks. Despite prior disputes, the bureau has failed to correct this inaccuracy. 

XXXX XXXX XXXX Account # : XXXX XXXX XXXX  | Balance Owed : {$240000.00} | Date Opened : XX/XX/XXXX | Late Payment * * Law : FCRA Section 611 Disputed items must be fully reinvestigated and verified.

Issue : Reported late payments are inaccurate and unverified.

Story : I dispute all late payments on this account. I have never received documentation proving the accuracy of these reported delinquencies. Continued reporting without verification violates my rights and falsely damages my credit profile. This misreporting affects my ability to secure loans and creates financial stress. Verification is required, or the item must be deleted. 

XXXX XXXX XXXX Account XXXX : XXXX XXXX | Balance Owed : {$0.00} | Date Opened : XX/XX/XXXX | Late Payment * * Law : FCRA Section 623 ( a ) ( 1 ) ( A ) Furnishers must not report information they know or should know is inaccurate.

Issue : The late payment reported is false.

Story : This account shows a late payment even though the balance is XXXX and no delinquency exists. Reporting this inaccurate information misrepresents my payment history. Despite prior disputes, the bureau has failed to remove or verify this information, which is harming my creditworthiness and financial reputation. 

XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Balance Owed : {$0.00} | Date Opened : XX/XX/XXXX | Late Payment * * Law : FCRA Section 605 Negative information can not be reported beyond permissible timeframes ; unverifiable info must be removed.

Issue : Late payment is outdated and inaccurate.

Story : I have already satisfied this account, yet it still shows a late payment. Reporting this false information misleads lenders and harms my credit history. By failing to remove it, the bureau violates federal law and continues to damage my ability to access credit. 

XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX | Balance Owed : {$29000.00} | Date Opened : XX/XX/XXXX | Late Payment * * Law : FCRA Section 611 Bureaus must reinvestigate disputed items and remove unverifiable information.

Issue : Reported late payments are inaccurate and unverified.

Story : The late payment on this account is incorrect and lacks verification. Reporting unverified negative information causes harm to my credit profile, increases borrowing costs, and creates undue stress. Verification documentation is required ; otherwise, the bureau must delete this inaccurate item.

I am requesting that the CFPB take immediate action to address these inaccuracies. All inaccurate addresses and account entries should be fully reinvestigated and corrected or removed in accordance with the FCRA. I also request the CFPB to provide confirmation of actions taken and updated credit report copies reflecting the corrected information. My intent is to ensure fair, accurate, and legally compliant credit reporting, and I trust the CFPB will enforce these rights on my behalf.

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