Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because multiple inaccurate and unverifiable addresses, accounts, and inquiries are being reported on my credit profile by the credit bureaus. These errors are seriously harming my creditworthiness and preventing me from obtaining basic financial services. I have previously disputed these items with the credit reporting agencies, but they have failed to properly investigate or correct the inaccurate data. I am requesting CFPBs intervention to ensure a proper reinvestigation, verification, and deletion of these items if the data furnishers can not prove their accuracy with original source documentation. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address Story : I have never lived at or been associated with this address and it is appearing on my report without consent or validity Law : FCRA Section 602 ( a ) and Section 611 Issue : This violates my right to accurate reporting and privacy Please delete this address due to its unverifiable status XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Address Story : This address is not mine and was never used by me in any financial transaction or credit application Law : FCRA Section 607 ( b ) and 611 Issue : The bureau has failed to maintain accurate information which harms my credibility Please remove this XXXX XXXX XXXXXXXX XXXX XXXXXXXX Address Story : I have no connection to this residence and it was added to my credit file incorrectly Law : FCRA Section 609 ( c ) and Section 611 Issue : If you can not verify my connection to this address it must be deleted to protect my consumer rights XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$0.00} * * Story : This late payment is inaccurate I made timely payments and was never notified of any delinquency Law : FCRA Section 623 ( a ) ( 1 ) ( A ) and Section 611 Issue : Reporting inaccurate late payments violates federal law This needs to be corrected immediately XXXX XXXXXXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$0.00} * * Story : I never missed a payment for this account yet a late status was reported incorrectly Law : FCRA Section 623 and 611 Issue : The creditor has reported false information in violation of the FCRA This must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$36000.00} * * Story : This loan was in deferment status and should not have reported a late payment Law : FCRA Section 623 and Section 611 Issue : Reporting a late during deferment is misleading and harmful This must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chargeoff Date Opened : XX/XX/XXXX Balance : {$0.00} * * Story : The account shows a {$0.00} balance which means it was resolved so a charge-off is improper Law : FCRA Section 623 ( a ) ( 2 ) and 611 Issue : This status misrepresents the accounts history and must be corrected XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$2000.00} * * Story : My student loan was under forbearance and this late mark should never have been applied Law : FCRA Section 623 and 611 Issue : This entry is misleading and must be corrected or deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$1200.00} * * Story : This entry is wrong I was in deferment and should not have any delinquent mark Law : FCRA Section 623 and 611 Issue : Remove this item as it does not reflect the true payment status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment Date Opened : XX/XX/XXXX Balance : {$1300.00} * * Story : During this period I was enrolled in an approved deferment and should not be penalized Law : FCRA Section 623 ( a ) ( 1 ) ( A ) and Section 611 Issue : Please delete this inaccurate late payment entry These errors are having a significant negative impact on my ability to access credit, secure housing, and live free of the consequences of inaccurate reporting. The Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) protect consumers like me from this kind of harm. I have exhausted efforts with the credit reporting agencies, and now I request that the CFPB intervene to ensure compliance with federal law. I demand full reinvestigation and either verified validation or permanent deletion of each item listed above. I ask CFPB to hold the credit bureaus and furnishers accountable for noncompliance with federal law.

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