Consumer complaint received 2025-11-03 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: MD

Complaint narrative:
I am filing this formal complaint because there are multiple inaccurate items being reported on my credit file. These errors are seriously harming my credit profile and I have already tried to correct them with the credit bureaus, but the issues remain unresolved. I am requesting that the CFPB investigate these matters thoroughly and ensure that all inaccurate and unverifiable information is removed or corrected. 

First, there are addresses listed on my credit report that do not belong to me. The following addresses are completely wrong and should be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. I have no connection with these addresses whatsoever. 

Next, several accounts are being reported inaccurately. XXXX Mortgage account number ending in XXXX is showing late payments, but I have never made a late payment on that account. XXXX  XXXX account numbers ending in XXXX and XXXX are also being reported with late payments, which is false. XXXX XXXX account ending in XXXX also shows late payments that I did not make. These accounts must be corrected to show an accurate on-time payment history. 

There are also collection and charge-off accounts being reported that I have no knowledge of. XXXX XXXX accounts ending in XXXX and XXXX are both being reported as collections, but I have never had any account with this company and have no knowledge of these debts. XXXX XXXX account ending in XXXX is reported as a charge-off, but I have no knowledge of this account either. All of these accounts should be deleted immediately because they are inaccurate and unverifiable. 

Additionally, the XXXX account number XXXX is listed twice with different balances and both are reporting late payments. I have never made a late payment on this account, and both entries should be corrected to reflect perfect payment history. 

Lastly, there is an unauthorized inquiry from XXXX XXXX dated XX/XX/year>. I did not authorize or initiate this inquiry, and it should be removed immediately as it violates my rights under the Fair Credit Reporting Act. 

These reporting errors and failures to correct them violate the Fair Credit Reporting Act, including sections 602 ( a ), 611, and 623 ( a ) ( 1 ) ( A ). These laws require that all consumer information be accurate and that any disputed information be verified properly. The credit bureaus and furnishers have failed to meet these legal requirements, and I am asking the CFPB to take enforcement action to ensure compliance. 

I am requesting the following resolutions : Remove all incorrect addresses from my credit file. 

Correct all accounts showing false late payments. 

Delete all collection and charge-off accounts that I have no knowledge of. 

Remove the unauthorized inquiry from XXXX XXXX. 

Confirm that all furnishers have properly verified any remaining information. 

I respectfully ask that the CFPB conduct a full investigation into these matters and provide me with written confirmation once they are resolved. Thank you for your attention and assistance in protecting my consumer rights.

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