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: MI

Complaint narrative:
CFPB Complaint Letter I am submitting this formal complaint regarding multiple inaccurate and harmful items being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ) and other federal consumer protection laws. I have previously sent dispute letters to the credit reporting agencies and data furnishers, but the issues remain unresolved. The inaccurate items are negatively affecting my creditworthiness, access to housing, employment, and fair financial opportunities. 
Below are the details of the accounts, inquiries, and address inaccuracies I am disputing : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Charge Off High Balance : {$300.00} Date Opened : XX/XX/XXXX * * Issue : This account is inaccurately reported as a charge-off. I previously requested verification and received no proper documentation showing that I owe this alleged debt. Under FCRA 609 ( a ) ( 1 ), I have the right to receive all records and contracts bearing my signature.

Law : FCRA 623 ( a ) ( 5 ), 609 ( a ) ( 1 ), FDCPA 807 ( 8 ) Story : This account is being reported inaccurately and without proper verification. The original creditor has failed to provide proof of a legitimate charge-off, and I was never notified as required under the law. This has severely harmed my credit standing and affected my ability to obtain secure housing and reliable transportation. I am demanding immediate deletion of this inaccurate tradeline. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment High Balance : {$12000.00} Date Opened : XX/XX/XXXX * * Issue : This account is reporting late payments during a period when I was under documented financial hardship and attempted to communicate with the lender. I was expecting a forbearance or accommodation, but my concerns were not addressed.

Law : FCRA 607 ( b ), CARES Act for COVID-related accommodations Story : I faced unexpected job loss and submitted a hardship request to Ally Financial. I never received clear communication or an option for deferral. Reporting late payments without acknowledging financial hardship during COVID-19 is unfair, misleading, and damaging. I request either full deletion or correction of this account to paid as agreed status. 
XXXX XXXX Charge Off High Balance : {$3000.00} Date Opened : XX/XX/XXXX * * Issue : This account is being inaccurately reported as a charge-off. I have not received any written notice from this lender or any collection agency. Under FCRA 611 and FDCPA 809 ( a ), I am entitled to verification of this debt, which was not provided.

Law : FCRA 609 ( a ) ( 1 ), 611, FDCPA 809 ( a ) Story : I had no knowledge of this account until it showed up on my credit report. I believe this may be an error or fraudulent account. I demand immediate investigation and removal unless full documentation including contract and payment history can be provided. 
XXXX XXXX  XXXX * Collection High Balance : {$2700.00} Date Opened : XX/XX/XXXX * * Issue : This is a collection account reported by a third-party debt buyer. XXXX XXXX has failed to provide proper validation. Under FDCPA 809 ( b ), the collector must cease collection and reporting activity until debt validation is completed.

Law : FDCPA 809 ( b ), FCRA 607 ( b ), 611 Story : I never received a debt validation letter from XXXX XXXX XXXX. I have no knowledge of this debt. Reporting this account without full investigation and without my written acknowledgment is not only irresponsible but also unlawful. I demand deletion of this collection from my credit report. 
XXXX Hard Inquiry XX/XX/XXXX Issue : This hard inquiry was made without my authorization. I did not apply for credit or give permission for this pull.

Law : FCRA 604 ( a ) ( 3 ), 607 ( a ) Story : This unauthorized inquiry is harming my score and was done without permissible purpose. This may be due to identity theft or error, and I did not initiate any application that required this inquiry. I request immediate removal of this inquiry and an investigation into the source. 
XXXX Hard Inquiry XX/XX/XXXX Issue : This inquiry appears to be unauthorized. I never applied for any credit with XXXX, nor was I aware of any application submitted on my behalf. 
Law : FCRA 604 ( a ) ( 3 ), 607 ( a ), FCRA 615 Story : This inquiry has negatively impacted my credit score and is interfering with my financial standing. If the creditor can not produce proof of my written authorization or a signed application, this must be permanently deleted. Continued reporting of unauthorized inquiries violates my consumer rights. 
Requested Resolution : I am requesting the CFPBs urgent assistance in compelling the credit reporting agencies and furnishers to : Permanently remove the inaccurate address Delete all unverifiable and unauthorized accounts and inquiries Provide copies of signed contracts and verification where applicable Investigate possible identity theft or mixed file errors If these issues are not resolved, I am prepared to escalate further to the FTC and pursue legal action for damages caused by negligent and willful violations of federal law. 
Thank you for your attention to this matter.

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