Consumer complaint received 2025-08-21 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:
Dear CFPB, I am submitting this formal complaint regarding multiple inaccuracies and unlawful reporting on my credit report. The following items are inaccurate, misleading, and damaging to my financial reputation. I request immediate investigation and correction under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ). 
XXXX XXXX XXXX, XXXX, CA, XXXX Issue : Wrong Address reported on my credit report Story : I have never lived at this address. Despite never residing here, this incorrect address continues to appear on my credit file, causing confusion with lenders and credit inquiries. It may be linked to unknown accounts or fraudulent activity that I did not authorize. This false information has caused unnecessary XXXX, delays in loan approvals, and risk of misidentification. I demand that this address be completely removed to restore the accuracy of my credit report.

Law : Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ), I have the right to have inaccurate information corrected promptly. 
XXXX XXXX XXXX, XXXX, CA, XXXX Issue : Wrong Address Story : This address has no association with me. Its listing may confuse lenders or credit agencies and could mistakenly link me to fraudulent or unknown accounts. Maintaining an inaccurate address is a clear violation of my rights and can damage my financial standing. Immediate removal is required to prevent continued harm.

Law : FCRA 623 ( a ) ( 8 ) obligates furnishers to provide accurate information to CRAs. 
XXXX XXXX XXXX Open Date : XX/XX/XXXX High Credit : {$120.00} Issue : Late Payment Story : The reported late payment is inaccurate. I have consistently made all payments on time, and I have documentation proving this. The erroneous late payment is unfairly lowering my credit score, affecting my ability to obtain new credit and loans. This inaccurate reporting is causing unnecessary XXXX  and financial disadvantage. I demand correction to reflect the accurate payment history. 
XXXX : FCRA XXXX ( a ) requires reinvestigation of disputed information and timely correction. 
XXXX XXXX Open Date : XX/XX/XXXX High Balance : {$510.00} Issue : Late Payment Story : I have never missed a payment on this account. The reporting of a late payment is false and misleading, negatively affecting my credit profile and financial opportunities. I possess statements proving timely payment. Such misreporting creates undue XXXX, potential credit denials, and a false record of financial irresponsibility. Immediate correction is required.

Law : FCRA 611 ( a ) ( 1 ) gives consumers the right to have inaccuracies corrected promptly. 
XXXX XXXX Open Date : XX/XX/XXXX High Balance : {$1900.00} Issue : Collection Story : I dispute this collection because I have no record or knowledge of owing this debt. Reporting a collection inaccurately harms my credit, creates unnecessary financial XXXX, and can lead to legal or collection actions I do not owe. Maintaining such false information is both unfair and unlawful. Immediate investigation and removal are demanded.

Law : FCRA 623 ( a ) ( 8 ) ensures furnishers must report only accurate information. 
XXXX XXXX  XXXX Open Date : XX/XX/XXXX High Balance : {$390.00} Issue : Collection Story : I never received proper notice of this alleged debt, nor have I authorized any payment arrangement. Reporting this as a collection is false and is causing harm to my credit profile. This misinformation exposes me to potential legal consequences and financial disadvantage. Immediate removal is required to restore my rights and accurate credit reporting.

Law : Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ) requires debt validation before reporting, and failure to comply violates consumer protections.

These errors are causing significant financial harm, credit misrepresentation, and identity confusion. I request the CFPB to investigate each item, enforce correction or removal, and hold the responsible furnishers accountable under applicable 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 explanation