Consumer complaint received 2025-07-17 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: TX

Complaint narrative:
To Whom It May Concern, This is a formal complaint against the credit reporting agencies and furnishers who have reported inaccurate addresses, unauthorized inquiries, and damaging accounts on my credit file. I believe these errors are the result of negligence, inaccurate reporting practices, possible identity theft, or mixed file issues. Despite prior disputes, these harmful entries remain unresolved. I am now submitting this complaint to the CFPB to seek resolution under my rights provided by the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

WRONG ADDRESSES : XXXX XXXX XXXX XXXX, TX XXXX Wrong Address Issue : This address does not belong to me and was never associated with any of my financial, employment, or residential history. Its inclusion is a misrepresentation of my identity. 
Law : Violates FCRA 1681e ( b ) CRA must follow reasonable procedures to ensure maximum possible accuracy.

Story : I have never lived at or been affiliated with this location. I fear this is due to either identity theft or a mixed file issue. This misinformation is damaging my credit profile and causing anxiety every time I apply for credit. 
XXXX XXXX XXXX XXXX, TX XXXX Wrong Address Issue : This is an unfamiliar and incorrect address being reported on my credit file. 
Law : FCRA 1681i requires CRA to reinvestigate disputed information. Story : I do not know anyone at this address and have n
ever received any bills or mail here. Its presence confuses lenders and misrepresents my creditworthiness. 
NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXXllection Balance {$740.00} Date Opened : XX/XX/XXXX Issue : Collection reported without prior communication, validation, or proof of debt. 
Law : FDCPA 809 ( a ) requires validation of debt upon request. FCRA 1681i mandates reinvestigation of disputed data. 
Story : I never received any notice about this debt before it went to collections. I am unfamiliar with this company and believe this may be identity-related or due to reporting errors. It is hurting my XXXX XXXX and my chances at securing necessary services. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-Off High Balance : {$14000.00} Date Opened : XX/XX/XXXX * * Issue : Charge-off account appears without full documentation or breakdown of balance. 
Law : FDCPA 807 ( 8 ) prohibits deceptive collection practices. FCRA 1681e ( b ) mandates maximum accuracy. 
Story : I did not receive any notice, settlement options, or payment history before this was charged off. I suspect either fraudulent usage or administrative failure. I request validation or complete removal. 
UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Issue : Hard inquiry conducted without my permission. 
Law : FCRA 604 ( a ) ( 3 ) Permissible purpose required.

Story : I did not authorize this credit pull and never engaged COAF for credit. This
unauthorized action harms my credit and indicates a potential misuse of my personal data.

Final Statement & Request Due to the severe and harmful nature of these inaccuracies, I request the CFPB to : Investigate all the unauthorized inquiries Remove the wrong addresses permanently Fully validate or remove the inaccurate accounts Ensure all reporting complies with FCRA and FDCPA Prevent further harm to my credit standing I am suffering reputational, emotional, and financial hardship due to this false information. I respectfully urge you to enforce compliance and hold the reporting agencies and furnishers accountable. 
Thank you for your time and assistance in correcting these errors.

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