Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my formal complaint and dispute regarding multiple inaccurate items on my credit report that are causing severe financial, emotional, and professional harm. The repeated misreporting violates the Fair Credit Reporting Act ( FCRA ) and other applicable federal laws. I demand immediate investigation and correction or deletion of the items below. 
XXXX XXXX XXXX, CA XXXX Wrong Address I have never lived at this address nor had any association with this property. Reporting this address creates the false impression that I was connected to accounts or activities tied to this location. This not only damages my reputation but also raises potential risks of identity theft. I have struggled with repeated denials for credit opportunities due to these false linkages. My entire credibility as a consumer is being questioned simply because the bureau allowed this wrong address to remain. This is careless, misleading, and a direct violation of FCRA Section 607 ( b ). 
XXXX XXXX XXXXXXXX XXXX, CA XXXX Wrong Address This is another address that has no connection to me. I never resided here, never received mail here, and never gave anyone authorization to associate my name with it. The continuous reporting of this address attaches me to people, debts, or activities I have no relationship with, leaving me vulnerable to collection attempts and fraud. Because of this false data, lenders and employers have doubted my integrity. It is deeply humiliating and has financially harmed me. 
XXXX XXXX XXXX High Balance : {$590.00} Date Opened : XX/XX/year> Charge Off * * I have no knowledge of this account. No valid contract, no signature, and no verification have ever been provided to show that I owe this alleged debt. Yet the bureau allows it to appear as a charge-off, which makes me look irresponsible and financially reckless. This has caused me extreme stress, loss of opportunities, and embarrassment. Every time a potential creditor reviews my report, they see this false charge-off and assume I walked away from a debt. That is not only false but slanderous. I demand deletion under FCRA Section 609 and FDCPA Section 809, as validation has never been produced. 
XXXX XXXX High Balance : {$46000.00} Date Opened : XX/XX/year> Late Payment * * This late payment reporting is completely wrong. I have always made timely payments, and no late record should exist. This false history punishes me unfairly, lowering my score, raising my interest rates, and closing doors to financial stability. I work hard to maintain my credit, and yet due to this mistake, I am being treated as unreliable. Every time I apply for credit, housing, or even employment, this false late mark is used against me. This is damaging, humiliating, and unlawful. I demand that the reporting be corrected immediately to show a perfect on-time history. 
XXXX XXXX  Date : XX/XX/year> Inquiry I never gave consent for this company to access my credit file. Unauthorized inquiries are a direct violation of FCRA Section 604. This inquiry has hurt my score and given the false appearance that I was seeking credit from this company. In reality, I never contacted them, never applied for anything, and never gave permission. This is a clear case of unauthorized access and must be deleted immediately. 
These reported items are inaccurate, misleading, and harmful. They violate federal law and damage my ability to secure financial stability, housing, and fair credit. I demand a full investigation, verification of all items, and immediate deletion or correction of inaccurate information. Failure to comply will leave me no choice but to pursue legal remedies, including claims for willful noncompliance and damages. 
I expect a written response with the results of your investigation within the timeframe required under the FCRA.

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