Consumer complaint received 2025-08-23 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 formal complaint to the Consumer Financial Protection Bureau ( CFPB ) against inaccurate and unverifiable information being reported on my consumer credit file. The credit reporting agencies and furnishers are required under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) to ensure maximum accuracy of consumer information, yet multiple addresses and accounts appearing on my report are wrong, outdated, or unlawfully reported. These errors are damaging my creditworthiness, preventing me from accessing fair lending, and causing ongoing harm. I have never lived at the listed wrong addresses and the accounts in question either do not belong to me, are being reported inaccurately, or are in violation of federal law. I am requesting the CFPB to investigate and hold the bureaus and furnishers accountable for violating my consumer rights under FCRA, FDCPA, and related laws. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Law : FCRA Section 609 and Section 611 require credit reporting agencies to maintain only accurate and verifiable information.

Issue : This address is not mine and is being falsely reported on my credit file.

Story : I have never lived at this address and it is completely unrelated to my identity or credit history. Its presence creates confusion and falsely associates me with accounts or activity that do not belong to me.

Instruction : Delete this address immediately from my credit file as it is unverifiable and inaccurate. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$0.00} Status : Late Payment * * Law : FCRA Section 609 and Section 611 require that all accounts reported must be accurate, fair, and verifiable. Section 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know is inaccurate.

Issue : This account is being inaccurately reported with a late payment despite showing a {$0.00} balance owed. 
Story : It is not logical or accurate to report a negative late payment status when the account has been closed with a XXXX balance. This misrepresentation is damaging to my credit profile and does not reflect the true standing of the account. 
Instruction : Correct or permanently delete this account from my report because the late payment is unverifiable, inaccurate, and misleading. 

I am requesting that the CFPB take immediate action to hold the credit bureaus and furnishers accountable. I demand deletion of all inaccurate addresses and removal or correction of the accounts that can not be properly verified according to federal law. The presence of these items is in violation of the FCRA and FDCPA, and they are causing financial harm, emotional distress, and blocking fair access to credit opportunities. I respectfully ask the CFPB to enforce compliance and ensure my consumer rights are fully protected.

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