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: TX

Complaint narrative:
This is a formal complaint under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, and other applicable consumer protection laws. I am filing this complaint because the following accounts and inquiries are being reported inaccurately, unfairly, and without proper verification. These items are damaging my credit, financial stability, and overall quality of life. I demand a full CFPB investigation and permanent deletion or correction of these accounts and inquiries. 
XXXX XXXX XXXX, TX XXXX Wrong Address This address is completely false and has no association with me, my residency, or my financial history. Under FCRA 604 and 607, credit bureaus are prohibited from reporting addresses that can not be verified as belonging to the consumer. This reporting has harmed my creditworthiness and misrepresented my identity, leading to confusion with lenders. 
XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This is not my address, never has been my address, and reporting it is a violation of FCRA XXXX, which requires the credit bureau to ensure information is accurate and up to date. This false address is misleading creditors into believing I am linked to locations that have no relation to me. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$150000.00} Date Opened : XX/XX/XXXX Late Payment This account is reporting late payments which are inaccurate, unverifiable, and damaging to my credit profile. I dispute the reporting of any late payments as I have not been properly notified nor provided with any verification or signed contract showing I authorized this account or these alleged delinquencies. Under FCRA 609 ( a ) ( 1 ) and FDCPA 809 ( b ), I have the right to request validation, and if the account can not be validated it must be deleted. Reporting unverified late payments is a violation of my rights and has caused serious injury to my financial reputation, resulting in loan denials and emotional distress. 
XXXX XXXX * * High Balance : {$530.00} Date Opened : XX/XX/XXXX Late Payment I dispute the accuracy of the late payment history being reported on this account. XXXX has failed to provide me with proof or verification under FCRA 611 that the late payments are accurate and properly reported. This negative mark is misleading and harmful to my creditworthiness. I request immediate deletion if XXXX can not furnish verifiable documentation. The presence of this negative reporting is a direct violation of my rights under the FCRA and has caused me financial hardship. 
XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$530.00} Date Opened : XX/XX/XXXX Late Payment This account is also reporting late payments which are inaccurate and unverifiable. XXXX XXXX has failed to provide me with any validation or legal proof that I fell delinquent on this account. The account is misreporting payment history and damaging my credit profile. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate information. XXXX XXXXXXXX is in violation of this law, and I demand immediate correction or deletion. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$250.00} Date Opened : XX/XX/XXXX Late Payment This account is reporting late payments that I dispute as false, unverifiable, and not supported by any contract or billing records. Under FCRA XXXX ( a ) ( 1 ) ( A ), furnishers may not report inaccurate information. XXXX has failed to provide verification of the late payments under FCRA 609 ( a ) ( 1 ). These false reports have damaged my creditworthiness, caused denials for credit opportunities, and harmed me financially. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$4100.00} Date Opened : XX/XX/XXXX Charge Off This account is reporting as charged off which is inaccurate, misleading, and harmful. I dispute the validity of the alleged debt and the reporting of a charge-off. Under FCRA 611 ( a ) ( 1 ), once disputed the furnisher must provide verifiable proof or delete the information. XXXX has failed to produce such verification. Reporting a charge-off without proper validation is a violation of my rights under both FCRA and FDCPA. This account must be permanently deleted immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1000.00} Date Opened : XX/XX/XXXX Late Payment I dispute the late payment history on this account. XXXX XXXX has failed to comply with FCRA 611 by providing documentation to support the accuracy of these negative marks. The account is misreporting payment activity and damaging my XXXX XXXX. This inaccurate reporting has prevented me from obtaining fair credit and constitutes a violation of my consumer rights. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$5700.00} Date Opened : XX/XX/XXXX Late Payment This student loan servicer is reporting late payments inaccurately. I dispute the accuracy and validity of these reports as I have not received proper billing statements or evidence to support the alleged delinquencies. Under FCRA 609 and 623, they are required to report accurately and provide verification. Failure to validate requires deletion. These false late payments are harming my ability to access housing, employment, and fair credit opportunities.

Conclusion & Requested Action I am requesting the CFPB to conduct a full investigation into these accounts and inquiries. If the furnishers can not provide verifiable documentation proving accuracy, I demand immediate and permanent deletion from my credit report. Continued reporting of inaccurate or unverifiable information will be considered willful noncompliance under FCRA 616 and 617, making all responsible parties liable for statutory and actual damages.

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 explanation