Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #16514064

Complaint Overview

Complaint ID: 16514064

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: 91762

Date Received: 2025-10-10T12:00:00-05:00

Date Sent to Company: 2025-10-10T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccuracies, unauthorized inquiries, and misreported accounts on my credit reports. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) and other federal laws, have caused financial harm, and continue to negatively impact my creditworthiness. I request that CFPB take action to ensure these issues are fully investigated and corrected promptly. XXXX XXXX XXXX XXXX XXXXXXXX Address This is a fabricated and invalid address with no connection to me. Its presence constitutes negligent reporting under FCRA 607 ( b ) and misleading identification under 602 ( A ). The repeated reporting of this address after prior disputes shows a systemic failure to follow reasonable procedures under 611 ( a ) ( 1 ). This false information can cause improper association with accounts or public records, further damaging my credit history. It misleads potential lenders and can be considered a misrepresentation of my personal identity. The presence of an invalid address undermines the accuracy of my consumer report and violates the bureaus statutory duty. The failure to remove this address demonstrates a lack of reasonable procedures and good faith in maintaining accurate data. Reporting this address may also impact my eligibility for credit offers or insurance. It could be wrongly used to verify identity for loans or applications, leading to potential denial. Each continued appearance of this address increases risk of identity mix-ups or fraudulent activity. I demand immediate removal of this false address and confirmation of correction in writing. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Address This address has never been used by me for residence, billing, or correspondence. The continued reporting of this address violates FCRA 602 ( A ) and 611, as it demonstrates a failure to maintain accurate and verifiable consumer information. The inclusion of this erroneous address increases the likelihood of identity confusion and may result in denial of credit or services. Each prior dispute has been ignored, showing a lack of good-faith reinvestigation. Reporting an address I have never resided at or associated with any accounts is a clear breach of accuracy obligations under 607 ( b ). The continued presence of this address risks inaccurate credit decisions and unnecessary scrutiny of my file. It can lead to mistaken collections or inquiries against my name. Removal is required to restore the integrity of my report. The inaccurate address also raises concerns about potential account mix-ups. This item may negatively impact my credit report calculations. I request immediate deletion and written confirmation that this item has been corrected. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$160.00} Charge Off * * This account is inaccurately reported as charged off despite lack of proper verification. Under FCRA 611 ( a ) ( 5 ) and 623 ( a ) ( XXXX ) ( A ), you are required to verify the accuracy of this account. Prior reinvestigations failed to provide any documentation validating the charge-off. Reporting unverifiable information harms my credit and violates federal law. No contract, billing statements, or verification letters have been furnished. Continued reporting is negligent and misleading. It creates a false perception of delinquency and negatively impacts my credit score. The accounts inclusion may affect interest rates and credit approvals. Failure to remove this account is a violation of my rights under 607 ( b ). The reporting of this account can cause financial institutions to deny or restrict my access to credit. This account must be removed immediately with written confirmation. XXXX XXXX XXXX XXXXXXXX * Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} Late Payment * * The late payment reported is inaccurate. The creditor has failed to validate the alleged missed payment, violating FCRA 623 ( a ) ( XXXX ) and 607 ( b ). Each previous dispute has been ignored. Reporting unverified late payments affects creditworthiness, misleads lenders, and causes direct financial harm. This false late payment could impact my ability to obtain financing for essential needs. It can lead to higher interest rates and denial of services. No written proof or account statements were provided. It misrepresents my payment history and breaches 611 ( a ) obligations. This entry causes undue stress and damages my financial reputation. I demand permanent deletion and written confirmation of correction. XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off * * This account reflects a {$0.00} balance yet is marked as charged off. Reporting contradictory information violates FCRA 602 ( A ) and 1681i ( a ) ( 5 ). The presence of this inaccurate charge-off misrepresents my credit history. It may mislead lenders, reduce my credit score, and negatively affect my financial opportunities. Failure to remove this inaccurate entry demonstrates noncompliance with 607 ( b ). This accounts reporting is a direct violation of the bureaus duty to maintain accurate files. It could trigger wrongful collections or credit denials. The reporting harms my ability to obtain new credit or secure loans. I request immediate deletion and written confirmation of correction. U.S. Bankruptcy Court Reference # XXXX Bankruptcy This bankruptcy entry is inaccurate and unverifiable. Reporting false bankruptcy information violates 607 ( b ) and 611 ( a ). It severely impacts my creditworthiness and misleads lenders. No official court validation exists linking this record to me. The repeated failure to remove this inaccurate entry shows neglect. The presence of this false record may affect employment, housing, and loan applications. Each previous reinvestigation has ignored my disputes. This record is a violation of federal law and must be permanently removed. Continued reporting may cause irreversible financial harm and reputational damage. Written confirmation of deletion is required. XXXX XXXX XX/XX/XXXX Inquiry This hard inquiry was made without my consent and violates FCRA 604 ( a ) ( 2 ). No permissible purpose existed. The inquiry negatively affected my credit score and was performed without written or electronic authorization. It misrepresents my credit activity and may lead to denial of credit or higher interest rates. Prior reinvestigations failed to remove it. Unauthorized reporting violates my privacy rights under 607 ( a ). This inquiry creates unnecessary risk for identity confusion and potential misuse. It harms my ability to secure financial opportunities. Immediate deletion and written confirmation are required. XXXX XX/XX/XXXX Inquiry This inquiry was conducted without my permission and violates 604 ( f ). No application or written authorization was given. Its presence negatively impacts my credit score. Prior disputes ignored this violation. Unauthorized inquiries misrepresent my credit history and breach federal law. The reporting could lead to misjudged financial decisions by lenders. It exposes me to unnecessary credit scrutiny. Immediate deletion and confirmation in writing are demanded. This inquiry must be fully removed to comply with 611 ( a ). I am requesting CFPB intervention to ensure that all disputed addresses, accounts, and inquiries are fully investigated and corrected in compliance with federal law. The inaccuracies and unauthorized actions reported here have caused financial harm, emotional distress, and unfair limitations on my credit opportunities. I expect that the CFPB will hold the credit bureaus accountable, enforce my rights under the FCRA, and ensure that my credit reports are accurate and fair.

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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