Consumer complaint received 2025-08-20 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:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) against inaccurate and unverifiable information being reported on my consumer credit file. The credit reporting agencies and furnishers are required under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) to ensure maximum accuracy of consumer information, yet multiple addresses and accounts appearing on my report are wrong, outdated, or unlawfully reported. These errors are damaging my creditworthiness, preventing me from accessing fair lending, and causing ongoing harm. I have never lived at the listed wrong addresses and the accounts in question either do not belong to me, are being reported inaccurately, or are in violation of federal law. I am requesting the CFPB to investigate and hold the bureaus and furnishers accountable for violating my consumer rights under FCRA, FDCPA, and related laws. 

ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Law : FCRA Section 607 ( b ) requires credit bureaus to maintain maximum possible accuracy. 
Issue : This address does not belong to me and should not be linked to my credit profile. 
Story : I have never lived or received mail at this address, and its continued presence causes inaccurate associations with accounts I do not own. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Law : FCRA Section 607 ( b ). 
Issue : Wrong and unverified address reporting. 
Story : I have no connection to this residence, and including it on my report misrepresents my personal history. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off Law : FCRA Section 607 ( b ). 
Issue : A charge off is being reported on an account with {$0.00} balance which is inconsistent and inaccurate. 
Story : If the balance is XXXX, it can not simultaneously be charged off. This reporting is misleading and damaging to my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off Law : FCRA Section 607 ( b ). 
Issue : Reporting a {$0.00} balance account as charge off is inaccurate. 
Story : This suggests the bureau is reporting false and contradictory information, which violates accuracy standards. 

INQUIRIES XXXX XXXX XXXXXX/XX/XXXX Law : FCRA Section 604. 
Issue : Hard inquiry not authorized. 
Story : No application was submitted by me for this inquiry. 

XXXX XXXX XX/XX/XXXX Law : FCRA Section 604. 
Issue : Inquiry unauthorized. 
Story : I did not request or apply for service that requires this inquiry. 

XXXX XX/XX/XXXX Law : FCRA Section 604. 
Issue : Unauthorized inquiry. 
Story : I never applied for a product with this company. 

XXXX XXXX XX/XX/XXXX Law : FCRA Section 604. 
Issue : Unauthorized inquiry. 
Story : No authorization given. 

XXXX XXXXXX/XX/XXXX Law : FCRA Section 604. 
Issue : Inquiry without permissible purpose. 
Story : I never requested this account. 

XXXX XXXX XX/XX/XXXX Law : FCRA Section 604. 
Issue : Unauthorized inquiry. 
Story : I did not consent to this credit check. 

XXXX XXXXXX/XX/XXXX Law : FCRA Section 604. 
Issue : No permissible purpose. 
Story : I have no relationship with this company. 

XXXX XXXX XX/XX/XXXX Law : FCRA Section 604. 
Issue : Unauthorized inquiry. 
Story : This inquiry was not approved by me. 

XXXX XXXX XX/XX/XXXX Law : FCRA Section 604. 
Issue : Inquiry not authorized. 
Story : I did not apply for credit or services here. 

I am requesting that the CFPB take immediate action to hold the credit bureaus and furnishers accountable. I demand deletion of all inaccurate addresses and removal or correction of the accounts that can not be properly verified according to federal law. The presence of these items is in violation of the FCRA and FDCPA, and they are causing financial harm, emotional distress, and blocking fair access to credit opportunities. I respectfully ask the CFPB to enforce compliance and ensure my consumer rights are fully protected.

Company response to consumer: Closed with non-monetary relief