Consumer complaint received 2025-10-13 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 filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) because my credit report contains inaccurate addresses, incorrect late payment information, and unauthorized inquiries. These errors violate my consumer protection rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). The credit reporting agencies and furnishers have failed to conduct a lawful reinvestigation and continue to report unverifiable and false data that damages my creditworthiness. I am requesting CFPBs direct intervention to enforce federal compliance and ensure full correction or deletion of these items. 

ADDRESS XXXX XXXX XXXX XXXX XXXX, CA XXXX This address is completely inaccurate and does not belong to me. It appears to be linked to fraudulent or incorrect reporting. Under FCRA 607 ( B ), credit reporting agencies must ensure maximum possible accuracy. This address must be removed immediately as it is misleading and creates false identity association. 
XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$580.00} XXXX XXXX  This account is being inaccurately reported with late payments that never occurred. Under FCRA Section 609 and 611, I have the right to demand full verification from the original creditor with documented evidence. If such proof can not be produced, this account must be deleted. 

XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX  The payment history on this account is false and damaging. According to FCRA 602 ( A ), information must be reported with integrity and accuracy. The late marks appear to be based on incorrect data transmission or system error, and no proper notice was provided to me as required by law. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$550.00} XXXX XXXX I never missed any verified payments, and no documentation supports the alleged delinquencies. This violates the accuracy requirement of FCRA XXXX ( B ). I request a reinvestigation and deletion of these false entries. 

XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$38000.00} * * The payment data being reported as late is inaccurate and inconsistent with my actual payment record. This represents a violation of FCRA Section 611 for failing to maintain verifiable records before furnishing such data. 

XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX  The alleged late payment status is unverifiable and misleading. Under FCRA Section 623 ( A ) ( 1 ) ( A ), furnishers must not report information they know or should know to be inaccurate. 

XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} XXXX XXXX This account was reported inaccurately with false lateness that does not align with my payment record. It violates FCRA Section 607 ( B ) and 611 for failure to ensure accurate and verified reporting. 

XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3200.00} XXXX XXXX  The report shows late payments that are untrue and unsupported by documentation. Such errors must be deleted immediately under FCRA 611 ( A ) as unverifiable and harmful. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} XXXX XXXX This account is inaccurately showing late payment reporting. The furnisher has violated FCRA Section 623 ( A ) ( 1 ) ( B ) by continuing to furnish false data without revalidation. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  This item reflects a false late payment entry with no balance owed. Under FCRA and the Consumer Data Integrity Rule, unverifiable negative data can not be legally reported and must be removed. 

The repeated violations by furnishers and credit bureausthrough false addresses, inaccurate late payments, and unauthorized inquiriesrepresent clear noncompliance with FCRA 602, 607, 611, and 623. I am asking the Consumer Financial Protection Bureau to conduct a thorough investigation, require the deletion of all unverifiable and inaccurate data, and enforce accountability against the credit reporting agencies and furnishers responsible for these violations.

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