Consumer complaint received 2025-09-05 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:
I am filing this complaint because my credit report contains multiple inaccurate, unverifiable, and misleading addresses, accounts, and inquiries that are causing serious harm to my creditworthiness, financial standing, and overall livelihood. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, furnishers and credit reporting agencies are required to ensure maximum possible accuracy, and under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, debt collectors are prohibited from reporting or attempting to collect debts without proper validation. Despite my prior disputes, these items remain and continue to violate my consumer rights. I request a thorough investigation and deletion of all unverifiable, inaccurate, duplicate, or misleading items. Each item is listed below with details and legal issues XXXX XXXX XXXX XXXX, XXXX XXXX Wrong Address Issue : This is not my address and has never been associated with me Law : FCRA 15 U.S.C. 1681e ( b ) requires maximum possible accuracy ; 1681i requires deletion of unverifiable information Story : Reporting an address that does not belong to me falsely associates me with activity I have no connection to, increases risk of identity confusion, and misrepresents my credit history. This is damaging and must be removed immediately XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Issue : This address does not belong to me Law : FCRA 15 U.S.C. 1681c prohibits maintaining inaccurate personal data Story : Reporting an address I have never lived at misleads creditors and creates the appearance of instability or fraud. It is a violation of my rights and must be deleted XXXX XXXX XXXX Date Opened:XXXX Balance : {$69000.00} Late Payment Issue : Late payments reported inaccurately Law : FCRA 15 U.S.C. 1681s-2 ( b ) requires furnishers to correct inaccurate information Story : I disputed the payment history and no validation was provided. Reporting late payments without evidence misrepresents my financial behavior and harms my credit score. This must be corrected or removed XXXX XXXX XXXX XXXXXXXX Date Opened:XXXX Balance : {$140.00} Collection Issue : Unvalidated collection Law : FDCPA 15 U.S.C. 1692g requires debt validation ; FCRA 15 U.S.C. 1681i requires reinvestigation Story : I never received proper validation, making this reporting misleading and unlawful. It falsely portrays me as delinquent, harming my credit XXXX XXXX Date Opened:XXXX Balance : {$240.00} Collection Issue : Duplicate reporting Law : FCRA 15 U.S.C. 1681c prohibits duplicate derogatory reporting Story : Duplicate entries unfairly increase negative impact on my credit score. This is misleading and unlawful, must be removed XXXX XXXXXXXX Date Opened:XXXX Balance : {$0.00} Late Payment Issue : Late payments reported inaccurately Law : FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits reporting known inaccuracies Story : Reporting late payments on an account with no balance is misleading and damages my creditworthiness. Deletion or correction is required XXXX XXXX XXXX Date Opened:XXXX Balance : {$0.00} Late Payment Issue : Late payment reported inaccurately Law : FCRA 15 U.S.C. 1681e ( b ) requires maximum accuracy Story : Reporting late payments on a zero-balance account misrepresents my credit history. This must be corrected XXXX XXXX XXXX Date Opened:XXXX Balance : {$310.00} Collection Issue : Unvalidated collection Law : FDCPA 15 U.S.C. 1692g requires validation ; FCRA 15 U.S.C. 1681i requires reinvestigation Story : Reporting this collection without validation falsely portrays me as delinquent and harms my creditworthiness. Must be deleted XXXX XXXX Date Opened:XXXX Balance : {$0.00} Charge Off Issue : Inaccurate charge-off Law : FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits knowingly reporting false information Story : Reporting a zero-balance account as charged off is misleading and harms my credit. Must be corrected or deleted XXXX XXXX XXXX Date Opened:XXXX Balance : {$6400.00} Charge Off Issue : Duplicate charge-off Law : FCRA 15 U.S.C. 1681c prohibits duplicates Story : Multiple entries exaggerate negative credit history and mislead lenders. Must be deleted These inaccurate addresses, accounts, and inquiry entries are causing significant harm to my credit report and financial standing. I demand immediate reinvestigation and permanent deletion of all unverifiable, duplicate, and misleading information in compliance with FCRA and FDCPA so that my credit report accurately reflects my true financial history

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