Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14869821
Complaint Overview
Complaint ID: 14869821
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: California
ZIP Code: 95630
Date Received: 2025-07-24T12:00:00-05:00
Date Sent to Company: 2025-07-24T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against the credit reporting agencies for reporting inaccurate and unverifiable information on my consumer credit file which is causing significant harm to my financial well-being and reputation the items listed below include incorrect addresses late payment history and an unauthorized inquiry all of which I am disputing in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ) and I request immediate reinvestigation and correction of these issues. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Address Law Issue : Under the Fair Credit Reporting Act ( FCRA ) Section 602 ( a ), the credit reporting agencies must ensure maximum possible accuracy in the consumers file Story : This address is inaccurately reported on my credit file and I have never lived or received mail at this location I have no affiliation with this residence and its presence on my credit report is a direct violation of the FCRAs accuracy mandate Instruction : Please conduct a reinvestigation and immediately remove this incorrect address from my credit report under FCRA Section 611 1731 XXXX XXXX XXXX XXXX XXXX, CA XXXX Address Law Issue : Per FCRA Section 607 ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information Story : This is a commercial mailing address not a residential dwelling and I have never used this PMB box for any personal or credit-related purposes Its reporting creates confusion and misrepresents my identity Instruction : I demand a full reinvestigation and permanent deletion of this incorrect address from my file under FCRA Section XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>XXXX Balance Owed : {$0.00} Late Payment * * Law Issue : Under FCRA Section 623 ( a ) ( 1 ) ( A ), furnishers of information must not report inaccurate or incomplete information Additionally the late payment being reported on a closed and {$0.00} balance account is a violation Story : This account reflects a {$0.00} balance and should not continue to report a late payment post-closure This misreporting is harming my creditworthiness and violates the FCRA accuracy requirement Instruction : Please investigate this tradeline and either provide full validation of the reported late payment with exact dates and evidence or remove the derogatory mark completely under FCRA Section 611 Under the FCRA I am entitled to a full and fair reinvestigation of these disputed items and expect all supporting documentation used to verify this information to be sent to me if the information can not be verified it must be deleted immediately from my credit report I respectfully request that the credit reporting agency completes this reinvestigation within the 30-day timeframe as required under 15 USC 1681i and provides a written response upon completion if this matter is not resolved I will not hesitate to escalate this issue further through the CFPB and other legal channels including civil liability under 15 USC 1681n and 1681o .
Frequently Asked Questions
What is Complaint #14869821 about?
Complaint #14869821 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-07-24T12:00:00-05:00.
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.