Consumer complaint received 2025-08-25 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: OH

Complaint narrative:
I am filing this formal complaint against the credit reporting agencies for knowingly reporting false, inaccurate, and unverified information on my consumer credit report. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 602 ( A ) which states that consumer reporting agencies must assure maximum possible accuracy of information. The following accounts and inquiries are incorrect, incomplete, or not verifiable, and I am demanding immediate reinvestigation and deletion. These items are causing me severe financial harm, loss of credit opportunities, denial of loans, higher interest rates, and emotional distress. I never authorized nor consented to these items being reported in such a false and damaging way. I am attaching my full list of disputes below and I request the CFPB to hold the credit bureaus accountable for failing their duty to maintain accurate records. 


Address : XXXX XXXX XXXX XXXX XXXX, OH XXXX Law / Issue : FCRA Section 609 ( a ) ( 1 ) & 611 Credit bureaus must provide complete consumer information and reinvestigate disputed items. Reporting of inaccurate addresses is prohibited. 
Story : This address has never been associated with me as a residence, billing, or mailing address. Its reporting creates confusion, may result in mistaken association with debts or accounts not mine, and could cause lenders to make incorrect credit decisions. I have official documents proving my correct residence history. I request immediate reinvestigation and removal if unverifiable.

Address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Law / Issue : FCRA Section 611 Credit bureaus must ensure accuracy of reported information and correct any errors. 
Story : I have never lived at or conducted any transactions linked to this address. Its reporting is inaccurate and may lead to misidentification or wrongful liability. Continued inclusion of this address is damaging my credit file. Immediate removal or correction is requested. 

Account : XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Credit Limit : {$6900.00} Law / Issue : FCRA Section 611 Duty to report accurate account information ; any unverifiable charge-off must be removed. 
Story : The account is inaccurately reported as a charge-off. I have documentation showing payments were made and account management contradicts this reporting. This misinformation is harming my credit score and borrowing ability. Verification is required, and if unverifiable, the account must be deleted. 

Inquiry : XXXXXXXX XXXX XXXX  Law / Issue : FCRA Section 604 ( a ) Only authorized inquiries are permitted. Unauthorized inquiries must be removed. 
Story : This inquiry was made without my consent and is inaccurately affecting my credit profile. Immediate removal is required to prevent further harm.

Inquiry : XXXXXXXX XXXX XXXXXX/XX/XXXX Law / Issue : FCRA Section 604 ( a ) ( 3 ) Written or explicit consent required for hard inquiries. 
Story : I never authorized this inquiry. Its presence is affecting my creditworthiness and could mislead potential lenders. Removal is requested. 

Inquiry : XXXX XX/XX/XXXX Law / Issue : FCRA Section 604 ( a ) Hard inquiries without consent are prohibited and must be removed. 
Story : This inquiry was performed without my authorization. Its presence is causing unwarranted damage to my credit profile. I request deletion immediately.

Inquiry : XXXXXXXX XXXX XXXXXX/XX/XXXX Law / Issue : FCRA Section 604 ( a ) ( 3 ) Unauthorized inquiries can not be reported ; consumer must consent. 
Story : I did not authorize this inquiry. Its reporting is inaccurate and harmful to my creditworthiness. Immediate removal is required. 

I request that the CFPB take immediate action against the credit reporting agencies for failing to maintain maximum possible accuracy, failing to properly reinvestigate, and for allowing unauthorized inquiries on my report. These errors are causing me ongoing financial and emotional harm. I demand that the CFPB direct the agencies to delete these inaccurate accounts and inquiries permanently and hold them accountable for violating the Fair Credit Reporting Act.

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