Consumer complaint received 2025-09-17 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: OH

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau because I have been the victim of inaccurate reporting that is severely damaging my credit profile and violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The credit reporting agencies have a legal obligation under FCRA 602, 603, 604, 605, 606, 607, 609, 610, 611, and 623 to report only accurate, verifiable, and complete information and to properly reinvestigate disputed items. Despite my previous disputes, the following items remain incorrect, unverified, and continue to harm my creditworthiness. I am requesting CFPB assistance to have these items corrected or permanently deleted. 

ADDRESSES XXXX XXXX XXXX XXXX XXXX This address is completely inaccurate and should not be associated with me. I have never lived, worked, or received mail at this location at any point in time. There are no utility bills, lease agreements, or official records linking me to this property. Keeping this false address creates a high risk of mixed files and identity confusion which can result in fraudulent accounts being attached to my credit report. Under FCRA 609 and 607 ( b ), only accurate and verifiable addresses should remain. Please contact the original source of this information and provide documentation that proves my residency. If no such documentation exists, this must be deleted immediately from my file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX I do not have any connection to this address and never authorized it to be reported under my name. This listing is misleading and creates a false residency history, which can harm my credit profile and employment opportunities. I have never received mail here, never signed a lease, and there is no government-issued identification linking me to this property. The continued reporting of this address after my first dispute is a direct violation of FCRA 611 as it shows there was no reasonable reinvestigation. Please provide me with the exact source that supplied this address and remove it if it can not be verified with legal documentation. 

ACCOUNTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * This account shows a late payment even though the balance is XXXX, which is misleading and violates FCRA 607 ( b ). There should be no derogatory remark if there is no balance due, as it misrepresents my current financial standing and harms my credit score. I am requesting a reinvestigation and demand that you obtain proof of this alleged late payment, including the exact billing statement, due date, and posting date from the creditor. If you can not provide verified documentation from XXXXXXXX XXXX proving this delinquency, you must delete the late payment from my file as unverifiable under FCRA 611. Continued reporting without proof is considered willful noncompliance under 616. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3200.00} * * This account is reporting late payments that are not correct based on my records. I request that you contact the original creditor and obtain documentation that proves these late payments with exact dates, amounts, and my signed agreement authorizing the debt. Without physical documentation, this reporting can not be considered accurate. The FCRA 609 ( a ) ( 1 ) provides me the right to review the information used to verify this account. If you can not produce it within the 30-day reinvestigation window, the late marks must be deleted under FCRA 611 . Continuing to report unverifiable derogatory data is a violation of federal law. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00} This is a medical collection that I dispute in full. I have not received any written notice from the collector as required under the FDCPA 809 ( b ), nor have I been given the opportunity to validate this debt. If you can not produce evidence that I am legally obligated to pay this account, including itemized billing from the original creditor, you must delete it from my credit report. Continued reporting of unvalidated medical debt violates both the FDCPA and FCRA, and I will escalate this to the CFPB if it is not corrected promptly. 

I respectfully request the CFPB to compel the credit reporting agencies and furnishers to follow the FCRA and remove all inaccurate, unverified, and outdated information from my credit file. These violations are causing me emotional distress, financial damage, and denial of fair access to credit. I demand a proper investigation, deletion of unverifiable information, and confirmation of compliance.

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