Consumer complaint received 2025-07-31 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: OH

Complaint narrative:
Dear CFPB Representative, I am writing to formally file a complaint against several furnishers and credit reporting agencies ( XXXX, TransUnion, XXXX  ) for their ongoing and unlawful reporting of inaccurate, outdated, unverifiable, and duplicated information on my consumer credit file, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. 
Despite multiple attempts to dispute these inaccuracies directly with the credit reporting agencies, the disputed items remain unresolved. Below is a detailed list of the false information that continues to cause me harm. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  OH XXXX Wrong Address This address is falsely listed on my credit report. I have never lived at or been affiliated with this address in any personal, financial, or legal capacity. The presence of this incorrect addr

ess may have resulted from a mixed file or identity error. Issue : Inaccurate reporting violating FCRA 607 ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy. 
Story : Due to this incorrect address, I have experienced unnecessary delays in housing and employment verifications. This error has caused undue emotional stress and reputational harm. I respectfully request this address be permanently removed. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX OH XXXX Wrong Address I dispute this address as I have never resided or received mail at this location. 
Issue : Inclusion of unverified address violates FCRA 609 ( a ), which entitles consumers to know the sources of information. 
Story : The incorrect address led to confusion during a background check for employment, and I was unfairly questioned about residency I had no knowledge of. Immediate deletion is requested. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$10000.00} Charge Off This charge-off is inaccurate and improperly reported. No final billing or validation of debt was provided. 
Issue : This is a violation of FCRA 611 and 623 ( a ) ( 5 ). 
Story : Due to this entry, I was denied a mortgage pre-approval despite having a stable income and no defaulted debt. The psychological stress of being labeled high-risk was overwhelming. I respectfully demand validation of this account or immediate deletion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$240.00} Collection This collection is unverified and unauthorized. I never received notice or itemized billing. 
Issue : Violation of FDCPA 809 ( a ) failure to provide validation notice. 
Story : I first saw this collection on my credit file with no prior communication. Ive faced rejection for an apartment because of this record. I demand this be removed immediately unless full validation is provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX High Credit : {$87.00} Collection This amount is unknown to me, and no original creditor has been identified. 
Issue : Violation of FCRA 609 ( a ) and FDCPA 809 ( a ).

Story : This account has led to harassing phone calls and false accusations. It is damaging my credit for a balance I do not owe. I request deletion or validation documentation. 
PERSONAL IMPACT AND DAMAGES : The continued reporting of these false addresses and inaccurate accounts has led to : Denial of rental housing applications Rejection for credit cards and car financing Emotional distress and XXXX Employment screening concerns Credit score damage resulting in higher insurance premiums Despite my formal disputes, no reasonable reinvestigation has occurred. Under FCRA 1681i ( a ), credit reporting agencies must complete a reinvestigation within 30 days and remove or correct any item found to be inaccurate or unverifiable. That has not been done in my case. 
RELIEF REQUESTED : I respectfully request that the CFPB : 1. Investigate the above-listed accounts and wrong addresses 2. Require the credit bureaus to provide verification or delete the items 3. Enforce my right to accurate credit reporting 4. Require all furnishers involved to provide documentation validating the reported accounts 5. Penalize the furnishers and credit bureaus for willful or negligent violations of the FCRA/FDCPA

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