Consumer complaint received 2026-03-06 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 filing this complaint regarding inaccurate information being reported on my credit file. The entries listed below are inaccurate and are causing significant harm to my creditworthiness. Under the Fair Credit Reporting Act, all information reported to consumer reporting agencies must be accurate and fully verifiable. First, my credit report lists the address XXXX XXXX XXXX XXXX, CA XXXX, which I do not recognize and have no knowledge of. This address is not associated with me and should not be appearing on my credit file. Under 15 U.S.C. 1681c and 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. Reporting an address that does not belong to the consumer violates this requirement. Because this address is inaccurate and unrelated to me, I request that this address be permanently deleted from my TransUnion credit file. The account XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$230000.00} * * is reporting late payment history that I dispute as inaccurate. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information may not report information that they know or have reasonable cause to believe is inaccurate. Furthermore, under 15 U.S.C. 1681i ( a ), TransUnion is required to conduct a reasonable reinvestigation of disputed information to determine whether the disputed information is inaccurate and record the current status of the disputed information. I request that TransUnion thoroughly investigate the reported late payment history on this account and correct or update the inaccurate late payment history so that my credit file accurately reflects my payment record. The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5700.00} * * is also reporting late payment information that I believe is inaccurate. Under 15 U.S.C. 1681e ( b ), TransUnion must maintain reasonable procedures to assure maximum possible accuracy in the preparation of consumer reports. Additionally, pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if any disputed information is found to be inaccurate or incomplete, it must be modified to reflect accurate information. Therefore, I request that TransUnion conduct a proper reinvestigation and correct or update the inaccurate late payment history associated with this account. Additionally, the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$7900.00} * * is reporting late payment history that I dispute. The Fair Credit Reporting Act under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires that consumer reporting agencies conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of information in their file. If the furnisher can not properly verify the accuracy of the late payment reporting, TransUnion must ensure that the information reported reflects only accurate and verifiable data. I therefore request that the late payment history be corrected or updated to accurately reflect my true payment history. The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$930.00} * * is also reporting late payment information that I dispute as inaccurate. Under XXXX XXXX. XXXX ( b ), TransUnion is required to follow reasonable procedures to assure maximum possible accuracy in the reporting of consumer information. Furthermore, under 15 U.S.C. 1681i ( a ), TransUnion must perform a reasonable reinvestigation of disputed information. I request that TransUnion conduct a proper investigation and correct or update the inaccurate late payment history reported for this account. Finally, the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4200.00} * * contains late payment reporting that I believe is inaccurate. The Fair Credit Reporting Act requires that consumer reporting agencies ensure accuracy and completeness under 15 U.S.C. 1681e ( b ) and conduct a reasonable reinvestigation under 15 U.S.C. 1681i. I request that TransUnion carefully investigate this matter and correct or update the inaccurate late payment history so that my credit report reflects accurate information. I respectfully request that this matter be investigated and that any inaccurate information that can not be verified be corrected or removed in accordance with the Fair Credit Reporting Act.

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