Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11977756
Complaint Overview
Complaint ID: 11977756
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Texas
ZIP Code: 78245
Date Received: 2025-02-06T12:00:00-05:00
Date Sent to Company: 2025-02-06T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Dispute of Inaccurate Address and Late Payment Reporting To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of certain addresses and late payments on my Experian credit report. These errors are causing harm to my credit profile and must be corrected immediately in accordance with my rights under federal law. Items to Be Removed : Incorrect Address ( es ) and Associated Identification Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are either outdated, incorrect, or improperly tied to my credit profile . Additionally, these addresses are linked to identification numbers, which are in turn tied to negative accounts that do not belong to me. The removal of these addresses is necessary to ensure the accuracy of my credit report and to prevent incorrect associations with accounts that are not mine. Late Payments on Accounts Reported By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX for Removal : XXXX U.S.C. XXXX ( a ) ( Fair Credit Reporting Act - FCRA ) : Ensures that credit reporting agencies maintain maximum possible accuracy in consumer reports. The incorrect addresses and late payment entries violate my right to fair and accurate reporting. 15 U.S.C. 1681b ( a ) & ( c ) : Limits the permissible purpose for reporting consumer data. Since these addresses are tied to negative accounts that do not belong to me, their reporting is a violation of permissible purpose requirements. 15 U.S.C. 6801 & 6802 ( Gramm-Leach-Bliley Act - GLBA ) : Mandates financial institutions to protect the confidentiality of consumer information. The continued association of my identity with incorrect addresses and negative accounts violates my right to financial privacy. 15 U.S.C. 1692c ( c ) ( Fair Debt Collection Practices Act - FDCPA ) : Prohibits unauthorized communication and the reporting of disputed financial information. If these addresses and late payments are incorrect, they must be removed to comply with federal law. Requested Action : Immediately remove all incorrect addresses from my credit file, as they are outdated, incorrect, or improperly linked to negative accounts that do not belong to me. Conduct a full investigation into the late payment dispute and provide verifiable proof from the original creditors ( XXXX XXXX, XXXX XXXX, and XXXX ). If verification can not be provided within the legally required timeframe, these late payment entries must be deleted from my report. Provide a written confirmation once these corrections have been made, along with an updated credit report reflecting the removal of incorrect addresses and late payments. I have enclosed copies of my government-issued ID and a utility bill or bank statement to verify my correct personal information. Under the FCRA, Experian must complete its investigation within 30 days. If the disputed information can not be verified, it must be deleted from my credit report. Continued inaccurate reporting may result in legal action to enforce my rights. Thank you for your prompt attention to this matter. I look forward to receiving written confirmation of these corrections. Sincerely, XXXX
Frequently Asked Questions
What is Complaint #11977756 about?
Complaint #11977756 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-02-06T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Transunion Intermediate Holdings, INC.?
Yes, visit the Transunion Intermediate Holdings, INC. company profile at readthecomplaint.com/company/transunion-intermediate-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.