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:
To whom it may concern, I am writing this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding numerous inaccuracies, violations, and errors on my credit report that have caused severe and ongoing financial and emotional XXXX. Despite my repeated attempts to resolve these matters directly with the credit reporting agencies and furnishers, the accounts, inquiries, and addresses listed below continue to appear on my reports in violation of federal law. I am requesting a full investigation and immediate correction or deletion under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ), and applicable laws and regulations. 

WRONG ADDRESSES XXXX XXXX XXXX XXXX, MI XXXX Reported XX/XX/XXXX Issue : Wrong Address Law : FCRA 1681e ( b ) Credit agencies must ensure maximum possible accuracy Story : I have never resided at this location. This address has no connection to me or my credit activity. I believe this was added due to a mixed file error or fraudulent data entry. Its presence confuses potential lenders and violates my rights. I demand its immediate deletion. 
XXXX XXXX XXXX XXXX, MI XXXX Reported XX/XX/XXXX Issue : Wrong Address Law : FCRA 1681c ( a ) ( 4 ) Obsolete and outdated addresses must be removed Story : This address is from nearly two decades ago and has never been my place of residence. I suspect identity confusion or system error. Keeping this outdated address on file is misleading and creates a false credit identity that affects loan decisions. 
XXXX XXXX XXXX XXXX, MI XXXX Issue : Wrong Address Law : FCRA XXXX ( a ) Disputed info must be investigated and corrected Story : I never lived at this property, nor was I associated with anyone at this address. It is not part of any official identification or application. It must be removed to prevent data contamination of my credit file. 
ACCOUNTS WITH ISSUES XXXX  XXXX Acct # : XXXX Opened : XX/XX/XXXX Balance : {$3000.00} Issue : Late Payment Law : FCRA 1681s-2 ( a ) Furnishers must report accurate information Story : I had an unexpected emergency and reached out to XXXX XXXX for assistance, yet they failed to offer any flexibility. I was not properly notified or given adequate time to address the issue. The late mark was added unfairly and is hurting my credit score. I request that the payment history be corrected or this account be updated to reflect Paid on time. 
XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Balance : {$670.00} Issue : Collection Account Law : FDCPA 809 ( a ) Must provide debt validation before reporting Story : I never received a validation notice for this alleged debt. I have no recollection of any obligation to this company. Reporting this without prior notice and validation violates my consumer rights. I request deletion of this unverified collection from all reports. 
XXXX, XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Balance : {$790.00} Issue : Collection Account Law : FDCPA 809 ( b ) ; FCRA 623 ( a ) ( 5 ) Story : I requested written verification of this debt but never received anything. I do not acknowledge this account. Its harming my credit unfairly and must be removed. Reporting unverifiable data is a clear violation of the law. 
DPT EDXXXX Acct # : XXXX Opened : XX/XX/XXXX Balance : {$65000.00} Issue : Late Payment Law : CARES Act 3513 ; FCRA 1681s-2 ( b ) Story : During the XXXX emergency, my student loans were under automatic forbearance. No late payments should have been reported. It is illegal under the CARES Act to show delinquencies during that time. I demand this be corrected immediately. 
XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} Issue : Charge-Off Law : FCRA 611 ( a ) ( 5 ) Outdated or inaccurate info must be deleted Story : This vehicle was voluntarily returned under an agreement, yet no settlement or notification of charge-off was issued to me. I believe this is a misclassification or wrongful reporting. Please investigate and remove or correct. 
XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} Issue : Late Payment Law : FCRA 1681s-2 ( b ) Story : After the account closed, it should not reflect late payments unless accurately documented. No valid proof was provided of the delinquencies, and my right to dispute under the law gives me the ability to challenge this. Please provide full documentation or delete.

HARD INQUIRIES Unfamiliar or Unauthorized Law for All Below : FCRA 604 ( a ) ( 3 ) Inquiries must have a permissible purpose and consumer authorization Each of the following inquiries either : Was done without my consent Was excessive in nature from auto dealerships Was duplicate or unnecessary Was made after no credit was applied for Please remove all the following inquiries : o XXXX XXXX XXXXXX/XX/XXXX - Duplicate of the above, possibly system error or abuse. 
o XXXX XXXX XX/XX/XXXX - Duplicate, no direct consent from me. 
o XXXX XX/XX/XXXX - Never applied for XXXX products XXXX 
o XXXX XX/XX/XXXX XXXX No existing application, unknown inquiry. 
o XXXX XXXX XX/XX/XXXX - Sales-related pull without my authorization. 
o XXXX XXXX XX/XX/XXXX - Duplicate inquiry, not initiated by me. 
o XXXX XXXX XX/XX/XXXX - No application submitted. 
o XXXX XXXX XX/XX/XXXX - Pull without proper purpose. 
o XXXX XXXX XX/XX/XXXX - Credit application never initiated. 
o XXXX XX/XX/XXXX - Unrecognized inquiry. 
o XXXX XX/XX/XXXX - Same day excessive pull ; not consumer-driven. 
o XXXX XXXX XX/XX/XXXX - XXXX sales pull without disclosure. 
o XXXX XXXX  XX/XX/XXXX - Should not reflect hard inquiry. 
o XXXX XXXX XX/XX/XXXX - Not applied for finance here. 
o XXXX XX/XX/XXXX - Inquiry without final application. 
These are only a few of the many errors affecting my credit file. These inaccuracies continue to violate my rights under federal law and have caused repeated denials for housing, auto financing, and employment. The repeated failure of data furnishers and credit bureaus to properly investigate or correct these errorsdespite my prior disputesconstitutes a willful violation of FCRA 1681n and negligent noncompliance under 1681o. I am requesting that the CFPB take urgent action to require the full reinvestigation of the listed items, correct or delete all inaccurate, incomplete, or unverifiable information, and ensure that furnishers and reporting agencies comply with the law. If necessary, I am prepared to seek legal assistance for enforcement and damages.

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