Consumer complaint received 2025-09-02 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: OH

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my consumer report contains multiple inaccurate addresses, accounts, and unauthorized inquiries that are damaging my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., credit reporting agencies and furnishers are required to maintain maximum possible accuracy, conduct proper reinvestigations, and ensure fair handling of consumer information. These errors are violations of my rights and must be corrected. 

Wrong Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address does not belong to me and was never connected to my personal history. Reporting it links me with residences where I have no legal, financial, or residential ties. This creates false associations that expose me to identity theft and credit decision errors. Maintaining this address violates FCRA 1681e ( b ), which requires maximum possible accuracy, and 1681i ( a ), which obligates removal of unverifiable data. The bureau must delete this incorrect address. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is a serious reporting error. Linking me to a place I never lived is not only misleading but also harmful, because it allows creditors and collectors to connect me with accounts or individuals that are unrelated. Such reporting is unfair under FCRA 1681c and inaccurate under 1681e ( b ). By failing to correct it after my first dispute, your bureau is in violation of 1681i ( a ) ( 1 ). This address must be permanently deleted. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * Reporting a late payment on an account that has a zero balance is contradictory and misleading. Under FCRA 1681e ( b ), consumer reporting agencies must assure maximum possible accuracy. Showing delinquency on a closed account with nothing owed suggests that I failed to pay when in reality no debt exists. This creates an unfairly negative impression and directly impacts creditworthiness. Courts have ruled that incomplete or misleading entries violate the FCRA because accuracy is more than just factually correct data it must not create a false impression. Since this account shows {$0.00} balance, any late payment notation is unverifiable and unlawful. This must be deleted. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX This account is inaccurate because it is reporting a late payment even though the balance is zero. Reporting a late payment on a closed account with nothing owed creates a misleading impression and violates FCRA 1681e ( b ), which requires maximum possible accuracy. Since the account is nearly a decade old, it also borders on obsolete information as outlined in FCRA 1681c. No creditor should continue to report a delinquency when no debt is owed. Without original account statements to prove the late payment, this entry is unverifiable and must be deleted. 

XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment ( Duplicate ) * * This is a duplicate entry of the same account already listed above, and duplicate negative reporting is a violation of FCRA 1681e ( b ). Reporting the same debt twice artificially inflates the appearance of delinquency and unlawfully harms my credit profile. The bureau had a duty under FCRA 1681i ( a ) to correct this duplication after my first dispute but failed to do so. Duplicate accounts are inherently inaccurate, misleading, and unverifiable. This duplicate must be permanently removed. 

XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00} Late Payment * * Late payments can not be reported without documented evidence from the furnisher. Simply confirming through automated systems like e-Oscar is not a proper reinvestigation under FCRA 1681i. If the furnisher can not provide proof such as monthly statements or payment records, the entry is unverifiable and must be removed. Reporting a late payment without proof is a direct violation of 1681e ( b ), which requires accuracy. Since no evidence has been presented, this account must be deleted. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13.00} Charge Off * * Reporting a charge-off for only {$13.00} is excessive, misleading, and a misuse of negative credit reporting. Under FCRA 1681e ( b ), reporting must be fair as well as accurate. A charge-off designation implies serious delinquency, yet the amount is de minimis. This creates a false impression for creditors, making me appear riskier than reality. Continuing to report such an account without documented verification also violates 1681i ( a ). This account must be deleted. 

XXXX XXXX XX/XX/XXXX This inquiry was not authorized and does not reflect any credit request made by me. Under FCRA 1681b, XXXX  is required to show proof of permissible purpose, which has not been provided. Reporting an inquiry without legal basis misleads creditors into thinking I am overextending credit applications. It also puts me at risk for identity theft if my information was accessed improperly. Failure to delete this unverifiable inquiry violates 1681e ( b ) and 1681i ( a ). This item must be permanently removed.

These inaccuracies in addresses, accounts, and inquiries violate multiple sections of the FCRA including 602 ( A ), 604, 607 ( b ), 609 ( a ), 611, and 623 ( a ). The continued reporting of these items after disputes shows negligence and willful noncompliance. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate and take corrective action against the responsible credit reporting agencies and furnishers for failing to maintain maximum accuracy, failing to investigate disputes properly, and allowing unauthorized inquiries. I seek immediate correction and deletion of all the above inaccurate information.

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