Consumer complaint received 2025-09-16 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: FL

Complaint narrative:
I am submitting this formal complaint against multiple furnishers and credit reporting agencies for willful violations of the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX et seq. and the Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. XXXX et seq. The inaccurate and harmful reporting on my credit files has caused significant damage to my consumer rights, financial stability, and access to fair credit. 

Below are the specific disputed and erroneous items that are currently being reported against me : Wrong Address Reporting XXXX XXXX XXXX XXXX XXXX, FL XXXX Incorrect/ Not Associated With Me XXXX XXXX XXXX XXXX, FL XXXX Incorrect/ Not Associated With Me These addresses are inaccurate, misleading, and create false associations that violate the requirement of accuracy under FCRA XXXX ( b ). 

Erroneous Accounts and Misreporting XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) * * Opened XX/XX/XXXX Balance {$22000.00} Reported Late Payments XXXXXXXX XXXX XXXX ( XXXX ) * * Opened XX/XX/XXXX Balance {$0.00} Reported as Charge Off despite showing {$0.00} balance XXXX  ( XXXX ) * * Opened XX/XX/XXXX Balance {$4100.00} Reported as Collection XXXX XXXX ( XXXXXXXX XXXX XXXX ) * * Opened XX/XX/XXXX Reported twice with conflicting balances ( {$1100.00} and {$880.00} ) Duplicate Reporting XXXX  ( XXXXXXXX XXXX XXXX ) * * Opened XX/XX/XXXX Balance {$680.00} Collection XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) * * Opened XX/XX/XXXX Balance {$480.00} Collection XXXX XXXX  ( XXXXXXXX XXXX XXXX ) * * Opened XX/XX/XXXX Balance {$640.00} Collection XXXX XXXX ( XXXX XXXX XXXX ) * * Opened XX/XX/XXXX Balance {$470.00} Charge Off XXXX ( XXXX XXXX XXXX ) * * Opened XX/XX/XXXX Balance {$810.00} Collection XXXX  ( XXXX XXXX ) Opened XX/XX/XXXX Balance {$4400.00} Collection These items include duplicate reporting, mischaracterized charge-offs, balances that do not align with payment history, and collections that appear unverifiable. This constitutes not only negligence but also furnishing of inaccurate information in direct violation of FCRA XXXX ( a ), XXXX ( a ), and XXXX ( b ). 

Improper Credit Inquiries ( Without Permissible Purpose ) XXXX  XXXX XX/XX/XXXX Unauthorized Inquiry XXXX XXXX XX/XX/XXXX Unauthorized Inquiry XXXX XX/XX/XXXX Unauthorized Inquiry These inquiries were conducted without my consent and outside the scope of permissible purposes outlined in FCRA XXXX. 

Violations and Harm These inaccurate items are damaging my creditworthiness, denying me fair access to financial products, and creating reputational harm. 

The duplications, unverifiable debts, and unauthorized inquiries demonstrate systemic negligence and willful disregard for compliance with federal law. 

Under FCRA XXXX and XXXX, these actions entitle me to remedies, including actual damages, statutory damages, punitive damages, and attorneys fees. 

Requested Relief I demand the CFPB to : Investigate these violations and hold the furnishers and credit bureaus accountable. 

Require immediate deletion of all inaccurate, unverifiable, and duplicate accounts, addresses, and inquiries listed above. 

Ensure that all future reporting complies strictly with the accuracy and verification standards under the FCRA. 

Provide a written response outlining corrective actions taken.

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