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: NJ

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate items appearing on my credit report. These inaccuracies include incorrect addresses and account information, which have negatively impacted my creditworthiness, financial opportunities, and credit score. I request that CFPB investigate these issues and ensure that all inaccurate information is corrected or removed promptly. 

Address Disputes XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This address has never been associated with me in any legal, financial, or personal capacity. Reporting it falsely as my address misrepresents my residence history and identity. Under FCRA 609, credit reporting agencies are required to maintain maximum possible accuracy, and 611 mandates reasonable procedures to verify any disputed information. The failure to remove this inaccurate address indicates a lack of proper verification and oversight. Keeping it on my report creates the risk of identity confusion, potential fraudulent use, and may influence lenders decisions based on incorrect data. I demand immediate deletion unless validated with official proof that links this address to me. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This variant of the previous XXXX address is also inaccurate and has never been associated with me. The repeated listing of multiple incorrect versions of the same address amplifies the inaccuracy on my report. This misrepresentation violates FCRA 609, which ensures the accuracy of consumer data, and 611, which obligates bureaus to reinvestigate and correct inaccuracies. Failure to remove or correct this address constitutes negligence and exposes the bureau to potential liability. I demand deletion unless the bureau provides credible, signed documentation proving a legitimate connection to me. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Wrong Address This XXXX XXXX has never been my mailing address. Its presence on my credit report is a material inaccuracy under FCRA 609, as it falsely identifies a location that I have never used. 611 requires that all disputed information be reinvestigated and verified before continuing to report it. Reporting unverified addresses creates risk of misidentification, affects credit decisions, and undermines my rights as a consumer. I insist that this XXXX XXXX be permanently removed unless legally verifiable documentation is provided showing it belongs to me. 

Account Disputes XXXX XXXX XXXX XXXX XXXX Late Payment ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ) XXXX XXXX This account incorrectly reports a late payment despite all payments being made timely and in full. Misreporting a XXXX balance account as late materially misrepresents my financial responsibility and is a direct violation of FCRA 611, which requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy. Such inaccuracies undermine my credibility with lenders, affect interest rates offered to me, and can lead to unnecessary financial harm. The continued reporting of this false late payment suggests negligence in verification and failure to comply with federal law. I demand a thorough reinvestigation and removal if verification can not be provided, as this incorrect reporting is causing tangible damage to my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX  Collection ( Date Opened : XX/XX/XXXX, Balance : {$1300.00} ) XXXX XXXX  This collection account is invalid and I have no obligation to this creditor. Reporting unverified collections constitutes a material misrepresentation of my financial history, violating FCRA 609 and 611. Such false reporting significantly harms my credit score, limits my ability to access loans, and can result in higher costs for financial products. Additionally, it creates undue stress and may lead to legal consequences for the credit bureau if not properly substantiated. I insist that this account be fully verified with legally binding documentation proving my responsibility, or it must be permanently deleted from my report. Failure to do so perpetuates an ongoing harm to my financial reputation. 

I formally request that the Consumer Financial Protection Bureau ( CFPB ) ensure a full reinvestigation of all the above-listed inaccurate addresses and accounts. Only accurate information should remain on my credit report. These false items have harmed my financial opportunities, creditworthiness, and credit score. I urge CFPB to take immediate action to correct or remove all inaccurate information and protect my rights under the Fair Credit Reporting Act and related laws.

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