Consumer complaint received 2025-12-02 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:
To Whom It May Concern I am filing this complaint because multiple inaccurate items remain on my credit file despite prior disputes. These errors violate the Fair Credit Reporting Act and are harming my credit standing. I am requesting the CFPBs assistance to enforce proper verification and correction. 

ADDRESS XXXX XXXX XXXXXXXX, NJ XXXX This location does not belong to me, has never belonged to me, and its continued appearance violates FCRA 602 ( A ) and 607 ( B ) because it inaccurately represents my identifying information. This misinformation has created confusion in prior credit evaluations and does not match any address I have ever lived at. I am requesting removal. 

XXXX XXXX XXXX XXXX, NJ XXXX This address is also not connected to me in any way, and its reporting fails the accuracy requirements of FCRA 602 ( A ) and 607 ( B ). Keeping a false address on my report places me at risk of mixed-file issues and improper association. I request deletion of this inaccurate address. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$320.00} Late Payment The late payment history being reported is inaccurate because I have never made a late payment on this account. Reporting false delinquency violates FCRA 602 ( A ), 607 ( B ), and 611 because the information fails accuracy standards and your prior reinvestigation did not reasonably correct the error. I request full correction of all late-payment notations. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$290.00} Late Payment This late payment reporting is inaccurate, as I have never been late. By continuing to report a false delinquency after reinvestigation, you are violating FCRA 602 ( A ), 607 ( B ), and 611 by failing to maintain maximum possible accuracy. I request correction of the payment history. 

XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Late Payment I have never made a late payment on this account. The inaccurate delinquency violates FCRA 602 ( A ) and 607 ( B ) because it damages the accuracy and integrity of my file, and the reinvestigation did not meet the requirements of FCRA 611. Please correct this immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} Late Payment This late payment report is incorrect because I have never been late on this account. Under FCRA 602 ( A ), 607 ( B ), and 611, you must uphold accuracy and correct information that can not be verified. I request correction of all payment history entries. 

XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} Late Payment Your file shows a late payment I never made. This violates FCRA 602 ( A ), 607 ( B ), and 611 because the data is inaccurate and the reinvestigation was insufficient. I request correction of all late-payment codes. 

XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$600.00} Late Payment The late payment reporting is inaccurate. I have never been late, and continuing to publish false delinquency violates FCRA 602 ( A ), 607 ( B ), and 611. I request correction of the payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$650.00} Late Payment This late payment entry is incorrect because I have never made a late payment on this account. Under FCRA 602 ( A ), 607 ( B ), and 611, you are required to ensure accuracy and update unverifiable information. I request immediate correction. 

XXXX XXXX XX/XX/XXXX This inquiry was not authorized by me. Reporting an unauthorized inquiry violates FCRA 604 ( a ) ( 2 ) because no permissible purpose existed. Please delete this inquiry. 

XXXX XXXXXX/XX/XXXX This inquiry was not authorized and violates FCRA 604 ( a ) ( 2 ) because it does not meet any permissible-purpose requirement. I request its removal. 

I am requesting that the CFPB require the credit bureaus and furnishers to provide documented proof supporting each disputed item, remove or correct any entry that can not be fully verified with legally acceptable evidence, and ensure compliance with all reinvestigation requirements under federal law. These ongoing inaccuracies have caused financial harm, improper credit denials, and unnecessary emotional and economic stress.

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