Consumer complaint received 2025-08-22 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: IL

Complaint narrative:
CFPB COMPLAINT LETTER I am submitting this complaint because my consumer credit file is being reported with serious inaccuracies, including wrong addresses and incorrect account reporting. These errors have caused me financial and emotional harm, including denial of credit opportunities, higher interest rates, and reputational damage. I am requesting immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 
XXXX XXXX XXXX XXXX XXXX Wrong Address Issue : This address does not belong to me and has been wrongfully associated with my credit file, creating confusion and misrepresentation of my personal history. 
Law : FCRA Section 604 & 609 requires consumer reporting agencies to maintain maximum possible accuracy in credit files and remove unverified personal information. Reporting of addresses not linked to me is a direct violation. 
Story : Because this false address is being reported, creditors reviewing my credit history may believe I have resided in multiple locations I never lived in, which damages my credibility and raises suspicion of possible fraud. This has also caused me difficulties in verifying my identity for new accounts and financial applications. 
XXXX XXXX XXXXXXXX XXXX XXXX  Wrong Address Issue : This is another incorrect address listed under my personal information which I have never lived at or used for any credit-related purpose. 
Law : FCRA Section 607 ( b ) mandates consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of consumer information. Keeping this false address on my file is negligent and unlawful. 
Story : Having this address wrongly tied to me creates a misleading profile of my residency history. Lenders, employers, and financial institutions may interpret this as instability or suspicious activity. This has personally impacted my ability to get fair treatment when applying for credit. 
XXXX XXXX  XXXX Account Number : XXXX High Balance : {$1200.00} Date Opened : XX/XX/year> Late Payment Issue : This account is reporting late payments which are inaccurate and harmful to my credit standing. I have maintained my payment history responsibly, and the reporting of lateness is either erroneous or unverifiable. 
Law : FCRA Section 623 ( a ) ( 1 ) ( A ) requires furnishers of information to provide accurate information to consumer reporting agencies. Additionally, Section 611 gives me the right to dispute and have inaccurate or unverified information corrected or deleted. Reporting late payments without proper investigation violates these provisions. 
Story : The wrongful reporting of late payments has severely lowered my credit score, leading to denials of credit and higher costs of borrowing. This error has impacted me financially and emotionally, creating unnecessary stress and damage to my financial future. Despite my efforts to maintain my obligations, I am being unfairly penalized for information that should not exist in my file. 
Overall, these errors reflect violations of my consumer rights under the Fair Credit Reporting Act and other applicable federal laws. I respectfully request that the Consumer Financial Protection Bureau take immediate action to ensure the inaccurate addresses are permanently deleted from my credit reports and that XXXX XXXX  XXXX corrects or removes the false late payment reporting. These inaccuracies are preventing me from accessing fair credit opportunities and are causing ongoing harm. 
I am demanding strict compliance with federal law, removal of all inaccurate information, and verification that corrective action has been taken by the credit reporting agencies and furnishers.

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