Consumer complaint received 2025-07-24 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: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding multiple inaccurate, unverified, and unauthorized entries on my credit reports that are causing me severe emotional, financial, and personal harm. I have attempted to resolve these issues directly with the credit reporting agencies, but no satisfactory action has been taken. I am requesting the CFPB to assist in investigating and correcting the following issues, which include a wrong address, a falsely reported late payment, a collection account, and several unauthorized credit inquiries. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  | Balance : {$4100.00} Issue : This account is reflecting late payments that are inaccurate and damaging to my report. I am disputing the reporting as it either stems from servicing errors or miscommunication. 
Law : Under FCRA 1681s-2 ( a ), data furnishers are legally required to report accurate and complete information. Additionally, per FCRA 1681i, the bureaus must reinvestigate disputed information within 30 days.

Story : I was never provided with timely billing or notice about this alleged delinquency. I contacted the original creditor multiple times to validate the reporting, but I was never shown full payment records or notices of default. The emotional and financial harm this false late payment has caused is enormous. It has impacted my ability to obtain affordable credit, secure housing, and even affects my employment background checks. I am requesting that this tradeline either be corrected with a clean payment history or removed in full if accurate verification can not be provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  | Balance : {$1000.00} Issue : This collection does not belong to me. I never received a notice from this collection agency nor do I have any recollection of the debt being collected. 
Law : Under FDCPA 809 ( b ), I am entitled to request validation of the debt. Additionally, under FCRA 1681i, credit bureaus must delete inaccurate or unverified information.

Story : I contacted XXXX and the credit bureaus requesting full validation of this debt including the original creditor name, contract, and billing details and never received such documentation. Reporting unverified and potentially fraudulent debt harms my credit score and personal credibility. I believe this may be tied to a file merge or unauthorized use of my identity. I am requesting the immediate removal of this account from all credit bureaus and a full investigation into its origin. 
XXXX Inquiry Date : XX/XX/XXXXXXXX  Issue : I have no relationship with XXXX or any related product. This inquiry is not mine and I never gave permission for this credit access. 
Law : As per FCRA 604 ( a ) ( 2 ), hard inquiries must be based on a consumer-initiated action. Unauthorized access is a violation of my rights and must be removed.

Story : This could be a case of file mixing or fraud. I have checked my accounts and applications, and there is no legitimate reason for XXXX to be accessing my file. This causes damage to my credit profile and lowers my score for no valid reason. This must be deleted, and I request written documentation of who initiated this access and how it was approved. 
Conclusion : These inaccuracies are not only unlawful under FCRA and FDCPA but are also damaging my financial stability and emotional well-being. I request the Consumer Financial Protection Bureau 's assistance in ensuring all responsible parties including the credit bureaus and furnishers conduct proper investigations and provide written results.

If the information can not be verified with documentation, I request immediate removal in compliance with FCRA 1681i. 
Thank you for your time and support.

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 explanation