Consumer complaint received 2025-08-30 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:
To the Consumer Financial Protection Bureau ( CFPB ), I am filing this complaint regarding multiple inaccuracies and unauthorized items appearing on my consumer credit report. These errors are causing significant harm to my financial stability, my ability to obtain housing, employment, and credit opportunities. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit report, and I request immediate assistance from the CFPB to investigate and enforce compliance with federal law. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX Address Law : FCRA 607 ( b ) requires credit reporting agencies to maintain maximum possible accuracy. 
Issue : This address does not belong to me. 
Story : I have never resided at this location, yet it continues to appear on my credit file. Because of this false address, lenders and creditors are questioning my identity, which makes me look unstable and unreliable. I was recently denied a rental application because the landlord flagged inconsistent address history. This type of damage is unfair, misleading, and unlawful. Allowing this false address to remain increases the risk of identity fraud and creates a false narrative about my life history. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address Law : FCRA 607 ( b ) prohibits false and misleading reporting. 
Issue : This address is falsely attached to my history. 
Story : This false data has caused issues with background checks for both housing and employment. It appears as though I have unstable housing history, which paints me in a negative light. Because of this error, I lost an employment opportunity when the employer flagged the mismatched information as a concern. The damage caused by this type of inaccuracy is not minorit directly affects my livelihood. 

XXXX XXXX XXXX XXXX XXXXXXXX Address Law : FCRA 616 provides liability for willful noncompliance. 
Issue : This incorrect address has remained despite my previous disputes. 
Story : I have already disputed this false address in earlier rounds, but it was ignored and remains. This negligence causes repeated damage by portraying a life history that does not exist. When creditors review my file, they see instability, multiple addresses, and a false image of financial recklessness. The fact that this address is still present after my disputes shows a complete failure to reinvestigate properly as the law requires. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX  Balance Owed : {$0.00} Law : FCRA 607 ( b ) requires accurate and truthful reporting.

Issue : This account is marked with late payments even though it was satisfied and carries a zero balance.

Story : Reporting lates on a fully paid account is deeply misleading. This creates a false image of irresponsibility even though I fulfilled my obligation. Because of this incorrect data, my credit score dropped significantly, causing me to be denied a refinance opportunity that would have lowered my monthly payments. This not only cost me financially but also placed emotional stress on my family as we struggled to cover higher costs that could have been reduced. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$25000.00} Law : FCRA 611 requires proper reinvestigation of disputed data. 
Issue : The late payments reported on this account are inaccurate. 
Story : I have disputed this account before, but no correction was made. These false late payments now make me appear as a high-risk borrower, which has resulted in repeated denials for credit applications. I was recently denied a credit card because of serious delinquency, even though the reporting is inaccurate. This false information prevents me from improving my financial situation, costs me opportunities, and creates ongoing hardship. 

I am respectfully requesting that the Consumer Financial Protection Bureau ( CFPB ) step in to enforce my rights under the Fair Credit Reporting Act. These errors and unauthorized activities are severely harming my financial health, opportunities for credit, and overall quality of life. I am asking the CFPB to require the credit bureaus and furnishers to conduct a lawful reinvestigation, provide written proof of verification if they intend to continue reporting, or otherwise delete the inaccurate and unverifiable information immediately. My demand is for full compliance with FCRA, protection against future violations, and correction of all disputed items listed in this complaint.

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