Consumer complaint received 2025-09-18 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: FL

Complaint narrative:
I am submitting this complaint to the CFPB because my credit report contains inaccurate and unverifiable information that is damaging my credit profile and violating my rights under federal law. I have the right to fair and accurate credit reporting under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The credit reporting agencies and furnishers have a legal obligation to ensure that all information reported is 100 % accurate, complete, and verifiable. I have identified multiple errors, including wrong address reporting, late payments, and unauthorized hard inquiries. These errors are causing harm by lowering my credit score and affecting my ability to obtain credit and fair interest rates. I am requesting that CFPB take immediate action to investigate these issues and enforce compliance with the law. 

ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This address is not mine and never was. I have no lease, utility bills, or any documentation tying me to this location. Keeping this address violates FCRA 609 ( a ), which grants me the right to know the source of reported data. It also violates FCRA 607 ( b ), which requires maximum possible accuracy in reporting. Having this address linked to my file can cause false association with accounts or public records that do not belong to me. It creates the appearance of a residence history that does not exist. This is misleading to future lenders and employers who may review my report. FCRA 611 requires deletion if information can not be verified by the original source. Please conduct a full reinvestigation and remove this address permanently from my credit report. 

XXXX XXXX XXXX XXXX, NC XXXX This address is not my place of residence at any time. I have no signed agreement, mortgage, or rental contract that would tie me to this location. Reporting this address is a violation of my rights under FCRA 602 ( a ), which requires credit reporting to be fair and equitable to the consumer. Leaving this address on my report associates me with another persons financial data and may allow unrelated negative accounts to appear under my profile. FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from knowingly reporting false information. This address is false and should be deleted. Please confirm removal after reinvestigation. 

ACCOUNTS XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} This account is being reported with late payments that I dispute as inaccurate and unverifiable. Under FCRA 609 ( a ) ( 1 ), I have the right to review original source documentation, including my signed agreement and full payment history, to confirm the validity of the alleged delinquencies. The creditor must provide itemized records for each reported late payment, including dates and amounts, or the data must be removed under FCRA 611 ( a ) ( 5 ) ( A ). Reporting late payments without proof creates harm to my creditworthiness and violates FCRA 607 ( b ), which requires maximum possible accuracy. This negative reporting unfairly lowers my credit score and impacts my ability to secure housing and credit. FCRA 623 ( a ) ( 1 ) ( D ) requires furnishers to update or correct any inaccurate information. Please perform a full reinvestigation, obtain proof from the furnisher, and delete all unverifiable late payments from my credit file. 

XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} This account is reporting late payments despite being fully paid off and showing a XXXX balance. This is misleading under FCRA 602 ( a ) which guarantees fair and equitable credit reporting. I am demanding that you verify every single late payment with original source documentation including the signed contract, payment history, and delinquency notices. If such verification can not be produced, FCRA 611 ( a ) ( 1 ) requires deletion. Reporting a {$0.00} balance account with negative history is harmful to my file and violates FCRA 607 ( b ) which demands accuracy. This error misrepresents my ability to manage credit responsibly and unfairly affects my score. FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from knowingly reporting incorrect data. Please reinvestigate thoroughly and correct this account to show accurate status or remove it entirely. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} This charge-off is reported in a way that is damaging and may be inaccurate or outdated. I am requesting verification under FCRA 609 ( a ) ( 1 ) including my signed loan contract, the exact date of first delinquency, the final statement balance, and the charge-off notice. If this data can not be provided by the furnisher, FCRA 611 ( a ) ( 5 ) mandates deletion. This charge-off is lowering my credit score and hurting my payment history section, causing financial harm. FCRA 623 ( a ) ( 2 ) requires furnishers to conduct a full investigation of disputed information and report accurate results to all bureaus. Continued reporting without full verification is a violation of FCRA 607 ( b ). Please delete this account entirely if it can not be proven accurate with original source records. 

XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1400.00} This account is being reported as a charge-off and I dispute the accuracy of the status, balance, and dates. FCRA 607 ( b ) requires maximum possible accuracy in reporting. Please provide my signed contract, account history, and documentation showing how the balance and charge-off amount were calculated. If the original creditor can not verify line by line, FCRA 611 ( a ) ( 5 ) requires deletion. This reporting harms my credit profile by showing a major derogatory item that may not be valid. FCRA 623 ( b ) ( 1 ) ( A ) obligates furnishers to investigate and correct data. Please reinvestigate and delete this account if proper verification can not be provided. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$390.00} This account is being reported as a charge-off, but no proof of a credit agreement has been provided. Under FCRA 609 ( a ) ( 1 ), I have the right to original documentation proving that I entered into a credit arrangement. Reporting a charge-off without proof violates FCRA 602 ( a ) and 607 ( b ) as it is neither fair nor accurate. This negative item impacts my credit standing and creates a misleading profile. FCRA 623 ( a ) ( 1 ) ( D ) prohibits reporting of unverifiable data. Please provide written evidence including account statements and contract. If verification is not available, delete this account from my file under FCRA 611 ( a ) ( 5 ) ( A ). 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$580.00} This account is being reported as a charge-off even though this is not a standard credit line and should not be classified as such. Under FCRA 607 ( b ), credit data must be reported with maximum accuracy, and misclassifying a service bill as a charge-off is misleading. I am requesting verification of any signed credit agreement, payment history, and legal proof that this should appear as a major derogatory account. If you can not verify this within the 30-day reinvestigation period, FCRA 611 requires removal. This inaccurate reporting unfairly damages my payment history and credit score. Please delete this account immediately if it can not be supported with proper documentation. 

XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry is unauthorized and I demand its removal. Under FCRA 604 ( a ), only inquiries with permissible purpose can remain, and no such permissible purpose exists in this case. I never applied for a loan or gave written consent to this company for a credit pull. Keeping this on my report unfairly lowers my credit score and misrepresents my credit-seeking behavior. This violates FCRA 602 ( a ), which ensures fair and equitable treatment in credit reporting. Please provide proof of my signed authorization or application that permitted this inquiry. If such proof can not be produced, delete this inquiry in compliance with FCRA 611 ( a ) ( 5 ) ( A ) which requires deletion of unverifiable data.

I request that CFPB compel the credit bureaus and furnishers to conduct a thorough reinvestigation, delete any unverifiable information, and confirm compliance with federal law. These errors are harming my financial health, and I expect full correction, written confirmation, and protection of my rights under FCRA and FDCPA. CFPB intervention is necessary to ensure fair treatment and to prevent continued harm.

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