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: OH

Complaint narrative:
To the Consumer Financial Protection Bureau, I am writing to formally lodge a complaint regarding numerous inaccuracies and unauthorized information being reported on my credit file by various entities. I have made multiple attempts to dispute these errors with the credit reporting agencies and the furnishers, yet they have continued to report false, misleading, and unverifiable information that is damaging my credit standing, reputation, and financial stability. Below I am listing the false addresses, unauthorized or incorrect accounts, and inquiries, along with their related violations of federal law, and a detailed account of how these items have harmed me. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX Issue : Wrong Address Law : FCRA 607 ( b ), 605 Explanation : I have never lived at this address and have no association with it. Including this address on my report is a violation of the requirement for maximum possible accuracy under FCRA. It creates confusion and may lead to mixed file errors and identity risk.

Action Requested : Remove this incorrect address from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Issue : Wrong Address Law : FCRA 607 ( b ), 609 ( a ) ( 1 ), 611 Explanation : I have no residential or financial ties to this address. Its presence on my report can result in false associations and inaccurate account linkage. This is harmful and misleading. 
Action Requested : Delete this address from my credit file and verify my current, accurate address. 
XXXX  XXXX XXXX Opened : XX/XX/XXXX | Credit Limit : {$4500.00} Issue : Charge Off Law : FCRA 611, FDCPA 809 ( b ), FCRA 623 Explanation : I was never properly notified about this alleged charge-off. I have not received any validation or documentation. This negative item is damaging my creditworthiness and may not be accurate.

Action Requested : Provide full validation or remove this account under federal law. 
XXXX XXXX XXXX Opened : XX/XX/XXXX | Credit Limit : {$3700.00} Issue : Charge Off Law : FCRA 605 ( a ) ( 4 ), 611 Explanation : This account is more than 7 years old and should no longer be reported if the date of first delinquency exceeds the legal limit. Keeping it is a violation of federal reporting timelines. 
Action Requested : Review date of last delinquency and remove if beyond the allowable timeframe. 
XXXX XXXX Opened : XX/XX/XXXX | Credit Limit : {$6900.00} Issue : Charge Off Law : FDCPA 809, FCRA 611 Explanation : I never received any collection notice or verification from XXXX. I question the validity of this charge-off and request official validation to prove ownership and balance accuracy. 
Action Requested : Validate or delete this account. 
XXXX BANK XXXX XXXX Opened : XX/XX/XXXX | Credit Limit : {$2200.00} Issue : Charge Off Law : FCRA 611, FDCPA 809 Explanation : I have no knowledge of owing this amount or receiving a final demand. XXXX XXXX  has not provided evidence or statements verifying this claim. Reporting it without proof is unfair. 
XXXX Requested : Provide signed agreement and billing history or remove this from my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Balance : {$4300.00} Issue : Collection Law : FDCPA 809, FCRA 611 Explanation : I was never informed of any debt being placed in collections by XXXX. I am unfamiliar with this debt and demand written validation including date of default, original creditor, and balance breakdown. 
Action Requested : Validate or delete this collection account. 
Hard Inquiries Unauthorized or Without Consent XXXX XXXX  XX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA 604 Explanation : I did not apply for any financial product with this institution. If this inquiry was done without my knowledge, it is unlawful and must be deleted.

Action Requested : Delete this inquiry or provide signed proof of permission. 
XXXX XXXX XX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA 604 Explanation : This car dealership accessed my credit file without my approval. I did not authorize any loan or application that day. 
Action Requested : Remove this inquiry unless proof of permissible purpose is provided. 
I respectfully demand that the Consumer Financial Protection Bureau conduct a thorough investigation into the credit reporting practices of the credit bureaus and furnishers in relation to the above accounts, addresses, and inquiries. The repeated failure of these entities to maintain accurate records, respond to my disputes, or provide proper verification demonstrates a pattern of willful neglect and noncompliance with the FCRA and FDCPA. These actions have caused me severe emotional distress, financial loss, and an ongoing inability to secure fair credit opportunities. 
I request the permanent deletion of all inaccurate and unverifiable data, a complete reinvestigation of each disputed item, and a regulatory review of the furnishers and credit bureaus involved for their failure to comply with federal law. I am also keeping this matter open with the Federal Trade Commission ( FTC ), and I am prepared to seek legal remedy if these violations are not addressed promptly.

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