Consumer complaint received 2025-11-20 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: NJ

Complaint narrative:
b'I am filing this formal complaint against multiple furnishers and the credit reporting agencies for reporting false, inaccurate, and unverified information on my consumer credit files. Despite previously disputing these items, they continue to appear, causing ongoing harm to my creditworthiness and violating the Fair Credit Reporting Act (FCRA), including but not limited to 602, 607(b), and 611.\n\n1. Wrong / Fraudulent Addresses (NOT MINE)\n\nThe following addresses have never belonged to me and are being falsely reported:\XXXX XXXX XXXX XXXX XXXX NJ, XXXX   Not my address\XXXX XXXX XXXX XXXX  PR, XXXX   Not my address\n\nThese incorrect addresses suggest possible identity theft, file merging, or reporting errors. I am requesting immediate removal of these addresses from all credit reporting agencies.\n\n2. Charge-Off / Collection Accounts I Have No Knowledge Of\n\nThe following accounts are being reported without my authorization, knowledge, or verification. I do not recognize these accounts, have never opened them, and the furnishers have failed to provide any legitimate documentation proving my responsibility. I am requesting full deletion of all the following accounts:\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese are not my accounts, and I am demanding their removal.\n\n3. Unauthorized / Suspicious Hard Inquiries\n\nThe following inquiries were NOT authorized by me and must be removed:\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nUnder FCRA 604, no hard inquiry may be recorded without my explicit consent.\n\nMy Requests\n\nI am requesting that the CFPB:\n\nInvestigate each furnisher for reporting unverified and fraudulent information.\n\nCompel removal of all unauthorized charge-off, collection, and inquiry items.\n\nCompel deletion of all wrong addresses associated with my profile.\n\nEnsure all furnishers supply legally required verification before reporting anything.\n\nEnforce penalties for continued reporting of unverified data.\n\nThese inaccuracies are severely damaging my credit, causing denials, financial harm, and emotional distress.\n\nThank you for your immediate attention to this matter. I request a full investigation and written confirmation of actions taken.'

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