Consumer complaint received 2025-07-30 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 I am filing this formal complaint under the protections of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws. My rights as a consumer have been violated by multiple furnishers and credit bureaus due to inaccurate, outdated, and unverifiable information reporting on my credit report. I am requesting immediate investigation and removal of the following items due to legal violations, identity errors, outdated data, and failure to verify. Each item is listed below with details and applicable law violations XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Issue : Wrong Address Reported Law : Under FCRA Section 609 ( a ) ( 1 ) ( A ), I have the right to dispute inaccurate personal information including addresses. Reporting incorrect addresses can negatively impact my credit and mislead lenders.

Story : This address is not my current or previous residence. Reporting a wrong address suggests that my credit information is being mixed with another person 's file, a clear violation of the FCRAs requirement for maximum possible accuracy ( Section 611 ). This false address creates confusion and potential harm to my creditworthiness. I demand immediate removal of this incorrect address to prevent further damage to my credit profile. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : Wrong Address Reported Law : FCRA Section 607 ( b ) mandates that consumer reporting agencies maintain procedures to assure maximum possible accuracy of the information.

Story : This address has never been associated with me. Its presence on my credit report indicates inaccurate and negligent reporting. Inaccurate addresses can cause lenders to question the validity of my identity and credit file, which harms my ability to access credit. I request an immediate update to correct this error and all related files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$120.00} Issue : Late Payments Law : The FCRA and Regulation V require furnishers to report accurate payment histories and correct errors upon dispute.

Story : The reported late payments are inaccurate and do not reflect my actual payment behavior. These false late payments unfairly damage my credit. I insist on their removal unless validated with supporting documentation. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$600.00} Issue : Charge Off Law : FCRA Section 623 ( b ) requires accurate reporting of derogatory accounts.

Story : This charge off is reported without proper validation or notification. I dispute this information as incomplete and inaccurate. Immediate removal or correction is demanded. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$490.00} Issue : Collection Law : FDCPA Section 809 requires debt validation upon dispute.

Story : This collection was reported without providing required validation notices. I have disputed this debt multiple times without proper response. I demand removal until proper validation is provided. 
XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$700.00} Issue : Collection Law : FCRA Section 611 requires removal of unverifiable information after dispute.

Story : This collection account has not been verified despite my dispute. Reporting unverifiable information violates my rights and must be corrected immediately. 
XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$580.00} Issue : Collection Law : FCRA Section 623 and FDCPA require accurate reporting and validation.

Story : This collection account duplicates charge off entries and is inconsistently reported. Such duplicate and inaccurate reporting inflates my liabili ties unfairly. I request removal of duplicate and unverifiable entries. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1100.00} Issue : Collection Law : FCRA Section 611 guarantees correction of disputed inaccurate data.

Story : This collection is outdated, inaccurate, and unverified. I dispute its validity and request deletion. 
XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Issue : Collection Law : FDCPA mandates debt validation and prohibits unfair collection practices.

Story : This collection has not been validated upon my dispute. Reporting unverified debts violates my rights. I request its removal until validation is provided. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Issue : Collection Law : FCRA Section 609 requires accurate and verifiable reporting.

Story : This collection is either inaccurate or not properly verified. I dispute its inclusion on my credit report and demand correction. 
XXXX # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Credit Limit : {$500.00} Issue : Charge Off Law : FCRA Section 605 ( b ) requires removal of negative information after 7 years.

Story : This charge off is beyond the 7-year reporting limit and should have been removed. Its continued presence violates the FCRA. I demand immediate deletion. 
XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$700.00} Issue : Charge Off Law : FCRA Section 611 entitles consumers to dispute inaccurate information.

Story : This charge off is inaccurately reported and I dispute it. I request a full investigation. 
XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$330.00} Issue : Charge Off Law : FCRA Section 611 and FDCPA require accurate reporting and validation.

Story : This charge off is unverified and inaccurate. I demand removal unless properly validated. 
XXXX # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$690.00} Issue : Charge Off Law : FCRA Section 609 and 611 protect against inaccurate information.

Story : This charge off account is disputed for accuracy and I request investigation and correction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$600.00} Issue : Charge Off Law : FCRA mandates removal of negative info over 7 years old.

Story : This accounts charge off status is beyond permissible reporting time. It must be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$700.00} Issue : Collection Law : FCRA Section 611 requires accurate, verified information.

Story : This collection is disputed for lack of verification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Issue : Collection Law : FCRA mandates removal of unverifiable information.

Story : This collection is inaccurate and unverifiable. I demand removal.

Credit Inquiries Disputes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Unauthorized/Inaccurate Credit Inquiries Law : FCRA Section 604 ( a ) ( 3 ) limits permissible purposes for credit inquiries ; unauthorized inquiries are illegal.

Story : Many of these inquiries were made without my written consent or permissible purpose. Such unauthorized inquiries harm my credit score and violate FCRA requirements. I demand removal of all inquiries not authorized by me.

I request the CFPB to investigate these violations and ensure permanent deletion of these errors. These entries have damaged my credit score, financial credibility, and caused emotional and financial stress. I am requesting deletion, proper validation, and legal accountability for failure to maintain accurate consumer reporting

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 explanation