Consumer complaint received 2025-08-25 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:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) against inaccurate and unverifiable information being reported on my consumer credit file. The credit reporting agencies and furnishers are required under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) to ensure maximum accuracy of consumer information, yet multiple addresses and accounts appearing on my report are wrong, outdated, or unlawfully reported. These errors are damaging my creditworthiness, preventing me from accessing fair lending, and causing ongoing harm. I have never lived at the listed wrong addresses and the accounts in question either do not belong to me, are being reported inaccurately, or are in violation of federal law. I am requesting the CFPB to investigate and hold the bureaus and furnishers accountable for violating my consumer rights under FCRA, FDCPA, and related laws. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$12000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 623 furnishers must report complete and accurate payment history ; 611 consumer can dispute inaccurate information Story : This account shows late payments which are inaccurate. I have consistently made payments on time as per my statements and bank records. The reporting of these late payments is damaging my credit score unfairly. I request the bureau to verify payment history with the creditor and correct any discrepancies immediately. 

Account : XXXX XXXX High Balance : {$3000.00} Date Opened : XX/XX/XXXX Issue : Charge Off Law : FCRA 623 requires accurate reporting ; 611 reinvestigation obligation Story : This account was not charged off as reported. My records indicate either a resolved account or an incorrect balance/status. This inaccurate charge-off significantly harms my credit score and potential for credit opportunities. I request verification with XXXX and removal or correction of this entry if unverified. 

Inquiry : XXXX XX/XX/XXXX Law : FCRA 604 requires permissible purpose for any credit inquiry ; 611 dispute rights Issue : Unauthorized/Incorrect Inquiry Story : I did not authorize this credit pull on this date. Unverified or unauthorized inquiries impact my credit score. I request the bureau to confirm the legitimacy with XXXX and delete the inquiry if no permissible purpose is documented. 

Inquiry : XXXX XXXXXX/XX/XXXX Law : FCRA 604 only authorized inquiries allowed ; 611 reinvestigation requirement Issue : Unauthorized/Incorrect Inquiry Story : I did not authorize this inquiry. This inaccurate inquiry affects my credit profile unfairly. I request verification with the creditor and deletion if the inquiry can not be validated. 

I am requesting that the CFPB take immediate action to hold the credit bureaus and furnishers accountable. I demand deletion of all inaccurate addresses and removal or correction of the accounts that can not be properly verified according to federal law. The presence of these items is in violation of the FCRA and FDCPA, and they are causing financial harm, emotional distress, and blocking fair access to credit opportunities. I respectfully ask the CFPB to enforce compliance and ensure my consumer rights are fully protected.

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