Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
I am submitting this complaint because my credit report contains several inaccurate, unverified, and unauthorized items. I previously requested verification from each furnisher, but none provided valid documents as required under the Fair Credit Reporting Act ( FCRA ). These errors are damaging my credit profile, and I need CFPB intervention. 

XXXX XXXX XXXX XXXX, CA XXXX This address is being reported inaccurately and without proper verification. During my previous disputes, I requested documentation proving the origin, association, and verification method used to attach this address to my consumer file. Under FCRA 1681i ( a ), you are required to provide the actual source recordssuch as contractual documents, applications, or validated correspondencebut none were provided. Maintaining an address without proof violates 1681e ( b ) because incorrect address associations can create identity-matching errors and mixed-file risks. Since no original documentation was presented, this address entry is unverifiable and must be deleted under 1681i ( a ) ( 5 ). 

XXXX XXXX XXXX, FL XXXX This address continues to appear on my consumer file despite repeated disputes requesting verification. No application, lease, billing record, or authenticated document has ever been provided to show a genuine connection between me and this address. Reporting an address without factual substantiation exposes me to identity-matching issues and violates the FCRA requirement for accuracy under 1681e ( b ). Because the reinvestigation failed to include original-source verification and relied solely on automated data, this address listing is unverified and must be removed immediately under 1681i ( a ) ( 5 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$14000.00} Late Payment The reporting of late payments on this account is inaccurate. In my prior disputes I repeatedly requested the underlying original payment records as required under FCRA 1681i ( a ) ( 1 ), yet no legally sufficient verification has been provided. The reinvestigation response did not include any actual documentation from the furnisher, which means the agency relied solely on automated confirmation, violating the duty for a reasonable reinvestigation. Because no original ledger or contractual record has ever been shown, this information is unverified and must be deleted from my consumer file under FCRA 1681i ( a ) ( 5 ). 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment This account continues to appear with late payment history even though previous requests for validation were ignored. Under FCRA 1681e ( b ), a CRA must ensure accuracy, yet the reinvestigation produced no factual proof such as statements, timestamps, or payment metadata. Reporting negative history on a paid-off account without proper evidence is unlawful and materially misleading. Because XXXX XXXX did not provide original documents proving any delinquency, this tradeline must be removed under 1681i ( a ) ( 5 ). 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment No supporting records have been provided for the alleged lateness on this account. XXXXutomated data responses do not meet the federal standard for verification under 1681i ( a ). The absence of authentic documentation shows that the reinvestigation was superficial and non-compliant. As the furnisher has failed to establish accuracy with primary evidence, this entry is unverifiable and must be deleted immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment The reported delinquency on this closed and settled account is inconsistent with my payment history. During my earlier disputes I demanded the original billing statements and transaction logs, but no such evidence has ever been produced. Continuing to report adverse history without documentation violates 1681e ( b ) and demonstrates a negligent reinvestigation under 1681i ( a ). Because the data can not be factually substantiated, this information must be removed from my file. 



XXXX XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$200.00} Late Payment The late payment reporting for this account remains unverified despite multiple requests. The furnisher has not provided any actual proof, and the CRA has relied on an automated system instead of a reasonable human investigation. This violates FCRA 1681i ( a ) and undermines the requirement that only accurate, fully verifiable information be maintained. Since no original documentation has been submitted to validate the delinquency, the account must be deleted under 1681i ( a ) ( 5 ). 

I request that the CFPB investigate all furnishers listed above and require removal of every inaccurate, unverified, and unauthorized item from my credit report. I appreciate swift action and a complete resolution of these issues.

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