Consumer complaint received 2025-08-28 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:
Consumer Financial Protection Bureau ( CFPB ) is entrusted with ensuring accuracy, fairness, and compliance with consumer reporting laws. I am submitting this formal complaint because my credit report contains false addresses, unauthorized inquiries, and inaccurate information that violates the Fair Credit Reporting Act ( FCRA ). I demand immediate investigation, deletion, and correction of these inaccurate items because they are damaging my creditworthiness and causing ongoing harm. 

ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Law : FCRA 607 ( b ) requires consumer reporting agencies to assure maximum possible accuracy of consumer information Issue : This address does not belong to me and is being wrongly reported Story : I have never lived at this address, never received mail there, and have no financial accounts linked to it. Reporting a false address creates the false appearance that I have ties to locations that do not belong to me, which can lead to identity confusion and fraud risk. It damages my credibility and can cause lenders to question my stability. Since no verifiable connection exists between me and this address, it must be deleted ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00} Late Payment Law : FCRA 611 requires reinvestigation, and FCRA 623 prohibits furnishers from reporting information they know or should know is inaccurate Issue : Late payments are being reported inaccurately Story : I dispute this account because the late payment history has never been verified with proper documentation. In my first dispute, no contract, payment history, or legally sufficient verification was provided. Continuing to report these late payments without proof is harmful and misleading. This account in its current form makes me appear financially irresponsible when the information can not even be validated. I demand removal or full correction backed by verifiable proof ACCOUNT XXXX XXXX XXXX * * * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$6100.00} Late Payment Law : FCRA 611 and 623 require accurate reporting and reinvestigation of disputed accounts Issue : This account is showing late payments that are not accurate Story : I never received verifiable records proving the late payments listed on this account. No billing statements, signed agreements, or notices were provided during the first dispute round. Reporting this without verification causes severe harm to my credit reputation and makes me appear delinquent when no proper evidence exists. Without proof, the information is unsubstantiated and unlawful to continue reporting. I demand immediate deletion or correction ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3700.00} Late Payment Law : FCRA 611 obligates reinvestigation, and FCRA 607 ( b ) requires maximum possible accuracy Issue : This account is reporting late payments inaccurately and unverifiably Story : In my first dispute, I requested validation of the late payments, but the bureau did not provide any supporting documents. Continuing to report unverifiable information damages my financial standing and violates my rights. This makes me look unreliable to future creditors without basis in verified fact. Reporting inaccurate late payments lowers my score unfairly and can affect housing, employment, and loan opportunities. I demand immediate correction or deletion ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5300.00} Late Payment Law : FCRA 611, 607 ( b ), and 623 require maximum accuracy and prohibit reporting unverifiable data Issue : Late payments are being reported that are not substantiated Story : During my first dispute, I asked for validation but received no legitimate evidence. Continuing to report this negative information without proof is inaccurate and harmful. It unfairly lowers my credit score and damages my reputation with creditors. If the bureau can not provide evidence from the furnisher proving the accuracy of this account, then it must be deleted ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$290.00} Collection Law : FCRA 611 requires reinvestigation, FDCPA 807 prohibits false representation of debt, and FCRA 607 ( b ) demands accuracy Issue : This collection account is inaccurate and unverifiable Story : I have no record of owing this debt, and no verifiable contract or statements were provided in the first dispute. Reporting this as a collection creates the false impression that I am in default when the account can not be proven. This not only damages my score but also my character and ability to obtain credit, housing, and employment. Without proof, this entry must be deleted to comply with federal law This complaint is being filed because my repeated efforts to correct these issues directly with the credit reporting agency have failed. The listed items are clearly wrong and harmful. I trust CFPB to intervene, enforce the law, and ensure a fair resolution to restore the accuracy of my credit file.

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