Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am submitting this formal complaint for investigation under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am a consumer whose credit file has been severely affected by inaccurate, incomplete, and unverifiable information being reported to the credit bureaus. These errors have resulted in damage to my creditworthiness, emotional distress, and financial harm. The information listed below has been disputed with the credit bureaus but remains unresolved. Therefore, I am requesting a full investigation and enforcement of my consumer rights. 

XXXX XXXX XXXX, IL XXXX This address is inaccurately associated with me. I have no legal or residential connection to this location and have never authorized it to appear on my report. Reporting unverifiable personal information violates FCRA 607 ( b ), which requires you to assure maximum possible accuracy. Continued reporting after previous disputes demonstrates noncompliance with 611 ( a ) ( 1 ) ( A ). My legal mailing address is verified through valid identification and current billing records. Remove this incorrect address immediately under FCRA 611 ( a ) ( 5 ) ( A ). 

XXXXXXXX XXXX XXXXXXXX, IL XXXX This address is not my residence and was never used in any credit or financial activity under my authorization. Failure to remove this despite previous requests violates FCRA 611 ( a ) and 607 ( b ), showing reckless disregard for accuracy. Keeping an unverified address on my file can mislead creditors and affect my creditworthiness. Remove this unverifiable address immediately to comply with federal law. 

XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/year> Balance Owed : {$2300.00} * * This account continues to report inaccurate late payment data despite my previous disputes. The creditor has failed to provide proper verification under FCRA 611 ( a ) ( 1 ) ( A ). According to FCRA 623 ( a ) ( 1 ) ( B ), furnishers must not report information they know or have reasonable cause to believe is inaccurate. The alleged delinquencies are unsupported by billing statements or verified account records. Reporting false payment history harms my credit profile and constitutes negligence under 607 ( b ). Unless you obtain certified verification directly from the creditor, this account must be deleted immediately. Continued reporting after notice is a violation under 623 ( b ) ( 1 ) ( D ). 

The continued presence of these errors violates my rights as a consumer and contradicts the intent of the FCRA and FDCPA to ensure fairness, accuracy, and privacy of consumer information. I am requesting that the CFPB investigate each listed violation and enforce corrective action. I also request confirmation once the investigation is completed and the inaccurate data is permanently deleted or corrected from my credit reports.

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