Consumer complaint received 2025-09-01 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: TX

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my consumer rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws are being violated. The credit bureaus and furnishers have failed in their duty to ensure maximum possible accuracy of my credit report under FCRA 602 ( A ), 607 ( B ), and 611, and they have also allowed unverifiable and outdated information to remain. These errors have caused me significant harm, including damage to my creditworthiness, emotional distress, and denial of financial opportunities. I am demanding that these inaccurate items be removed immediately after proper reinvestigation as required by law. 

Wrong Addresses XXXX XXXX XXXX, MI XXXX Law : FCRA 1681c, 1681e ( b ).

Issue : This is not my residence.

Story : Associating me with this address that I never lived at is harmful because it creates the impression that I may have ties or obligations connected to a property I have no relationship with. Wrong addresses can cause confusion in credit decisions, delay approvals, and open the door for potential fraud. Under federal law, you are required to ensure maximum possible accuracy, and by leaving this address in my file, you are failing your duty. 

XXXX XXXX XXXX XXXX, MI XXXX Law : FCRA 1681e ( b ).

Issue : False identifying information.

Story : I never resided at this location, and there is no valid reason for this address to appear in my file. By allowing it to remain, your agency risks attaching me to accounts or activity that may belong to someone else. This is not only misleading but also violates the standard of reasonable procedures that you are legally bound to follow. Each time this wrong data is used, it damages my credibility with lenders. 

XXXX XXXX XXXX XXXX, MI XXXX Law : FCRA 611. 
Issue : Incorrect address remains after dispute. 
Story : This address has no connection to me, yet despite earlier disputes, it is still present. This raises serious concerns about the quality of your reinvestigation process. An incomplete or careless reinvestigation does not meet the legal requirements of FCRA 611. Continued reporting of a false address has already caused reputational damage, as lenders question why multiple addresses are linked to me. 

Accounts XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Law : FCRA 1681i, 623 ( a ) ( 1 ) ( A ).

Issue : Late payments reported inaccurately.

Story : I dispute the alleged late payments, which have not been validated. Your bureau has not provided any documentation proving that the furnisher confirmed the accuracy of these delinquencies. Continuing to report unverifiable negative marks creates long-term harm to my creditworthiness, including higher interest rates, loan denials, and reputational injury. Under the FCRA, unverifiable derogatories must be deleted. 

XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$460.00} XXXX XXXX  Law : FCRA 623, 1681e ( b ).

Issue : False late payments.

Story : This account is reporting derogatory late payments that are inaccurate. XXXX XXXX has not provided any proof of proper verification, and without that, your bureau has no right to continue publishing this negative information. By leaving unverifiable late marks in my file, you are damaging my financial standing and creating barriers to credit opportunities. Such false reporting is both unlawful and reckless. 

XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Law : FCRA 1681e ( b ), 1681i.

Issue : Inaccurate late payment history. 
XXXX : This account is reported with derogatory late payments that have not been verified by the furnisher. By law, unverifiable derogatory data must be deleted. Yet, the bureau continues to allow this harmful, misleading reporting. This is damaging my financial credibility and forcing me into higher risk categories when applying for credit. Such willful disregard for accuracy is a violation of consumer protection law. 

Inquiries XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ).

Issue : No consent given.

Story : This inquiry was not initiated or approved by me, and therefore represents unauthorized access to my private credit data. Such inquiries unfairly penalize me by lowering my score and sending false signals to lenders that I am pursuing multiple accounts. The FCRA strictly prohibits this type of action, and it must be removed immediately. 

I am requesting the Consumer Financial Protection Bureau ( CFPB ) to take enforcement action and ensure these violations of the Fair Credit Reporting Act are corrected immediately. The presence of these wrong addresses, inaccurate late payments, an unverifiable charge-off, and unauthorized inquiries violates my rights under FCRA 602 ( A ), 607 ( B ), 611, 623, and 604. I demand a full reinvestigation of each item and the permanent deletion of unverifiable or inaccurate information. If these violations are not corrected, I am prepared to escalate further with legal action.

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