Consumer complaint received 2026-07-01 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 filing this complaint against Equifax , Experian, and TransUnion for reporting inaccurate, unverifiable, and potentially fraudulent information on my consumer credit reports in violation of the Fair Credit Reporting Act ( FCRA ), including requirements for maximum possible accuracy, reasonable investigation, and correction of disputed information. I dispute the continued reporting of inaccurate account information, incorrect personal identifying information, and unauthorized hard inquiries that are negatively impacting my credit profile. The following accounts are being reported with inaccurate, incomplete, misleading, or unverifiable information, including incorrect payment history, delinquency reporting, account status, dates, and other damaging information : Negative Accounts Disputed : XXXX XXXX Account # XXXX / XXXX Reported with inaccurate derogatory delinquency marks on a closed account. Request full investigation, correction of inaccurate late payment reporting, and deletion if unverifiable. XXXX XXXX Account # XXXX / XXXX Reported with inaccurate derogatory delinquency marks on a closed account. Request correction and verification of payment history. XXXX XXXX Account # XXXX XXXX contains serious inaccuracies, including incorrect payment status, false late payments, incorrect date opened, incorrect date last reported, and incorrect date of last payment. Request immediate correction or deletion if unable to verify. XXXX XXXX Account # XXXX Reporting contains inaccurate payment status, false late payments, incorrect account dates, and other damaging information. Request investigation, correction, or deletion if unverifiable. Inaccurate Personal Information Disputed : Request removal of inaccurate and outdated personal information that does not belong or is not accurate : Incorrect Name : XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX, MI XXXX Incorrect Employers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccurate personal identifiers may contribute to mixed file reporting and must be corrected under FCRA accuracy requirements. Unauthorized Hard Inquiries Disputed : The following inquiries were made without my knowledge, authorization, or permissible purpose. I request removal and proof of permissible purpose, including signed authorization or application documentation : Experian : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I am requesting that all three credit reporting agencies conduct a complete and reasonable reinvestigation, remove any information that can not be verified as accurate, correct all inaccurate personal information, and delete unauthorized inquiries that lack a valid permissible purpose. If the disputed information can not be verified through a reasonable investigation using accurate and reliable documentation, it should be removed from my credit reports. Continued reporting of inaccurate or unverifiable information is causing ongoing harm to my credit profile and financial opportunities.

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