Consumer complaint received 2025-10-14 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: NV

Complaint narrative:
This is my official complaint to the Consumer Financial Protection Bureau regarding numerous inaccurate, misleading, and unverifiable items being reported on my credit reports by various furnishers and credit bureaus. These false entries have caused severe damage to my credit profile, my financial reputation, and have created ongoing hardship in my personal life. I am seeking immediate federal intervention to compel proper reinvestigation and correction under my rights provided by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX WRONG ADDRESS This address is being reported on my credit profile, but I have never lived, worked, or been associated with this location. It is completely inaccurate and not tied to any of my verified personal information. Reporting such an incorrect address violates FCRA Section 607 ( b ), which requires CRAs to maintain maximum possible accuracy. This information must be deleted immediately to avoid confusion and prevent identity mix-ups. 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX WRONG ADDRESS This is another false and unverified address listed on my report. I demand this be deleted from my record because it does not belong to me and was likely reported in error or due to a mixed file issue. 
XXXX  # XXXX Date Opened : XXXX : $ XXXX : Late Payments This account is reporting false late payments. I have never missed or failed to make a payment on time. This inaccurate reporting is damaging my payment history and creditworthiness. I am requesting immediate correction and the update of this account to reflect an on-time payment record. Failing to correct false payment information violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. 
XXXX  # XXXX Date Opened : XXXX : $ XXXX : Late Payments I dispute the reported late payments on this account. My records and communications show that all payments were made on time. Please verify the complete payment history. If you can not produce proof of delinquency, this must be corrected immediately as required by FCRA Section 611 ( a ). 
XXXX  # XXXX Date Opened : XXXX : $ XXXX : Late Payments I have no history of being delinquent with this account. This false late reporting has severely impacted my score and reputation. I demand a full investigation and the removal of the late payment remarks since they are unverifiable and inaccurate. 
XXXX  # XXXX * Date Opened : XXXX : $ XXXX : Late Payments The reported late payment is not accurate. There is no valid documentation showing a missed or delayed payment. I request correction to reflect a perfect payment history as per FCRA 623 ( a ). 
XXXX  # XXXX Date Opened : XXXX : $ XXXX : Late Payments This account reflects false late payments that never occurred. I am demanding an immediate investigation and update of the record to show all payments made on time. Inaccurate data must be corrected or deleted as per FCRA Section 607 ( b ). 
XXXX  # XXXX Date Opened : XXXX : $ XXXX : Late Payments This account should not reflect any late payment history. I have never been late. Please correct or delete the inaccurate payment remarks and ensure proper accuracy compliance under federal law. 
XXXX XXXX Inquiry XX/XX/year> XXXX XXXX  Inquiry XX/XX/year> These inquiries were made without my authorization or permissible purpose under FCRA Section 604 ( a ). I never applied for credit or consented to any of these inquiries. I demand their removal as they were obtained unlawfully. 
These repeated and ongoing inaccuracies are not simple mistakes they represent a complete failure of compliance with federal consumer protection laws. The credit bureaus and furnishers have not fulfilled their duty to ensure accuracy and have ignored multiple disputes and requests for reinvestigation. As a result, I have suffered financial loss, emotional XXXX, and reputational harm. 
I am requesting that the CFPB conduct a full investigation into XXXX, XXXX XXXX XXXX, XXXX XXXX, and all related furnishers and credit bureaus for their repeated violations of FCRA Sections 602A, 607 ( b ), 611, 623, and FDCPA Section 809 ( b ). I am seeking correction, deletion, and a full compliance review to ensure this does not continue to harm me or any other consumers. 
Requested Resolution : Immediate deletion of all unverifiable accounts, removal of false late payments, deletion of wrong addresses and unauthorized inquiries, and correction of my credit file to accurately reflect my true payment history and identity.

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