Consumer complaint received 2025-09-12 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: NY

Complaint narrative:
I am filing this complaint because the following accounts and information are being reported inaccurately on my credit reports. These items violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and the Consumer Financial Protection Act. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address This address is not mine and has never been associated with me. Reporting this wrong address is a direct violation of FCRA 607 ( b ), which requires credit reporting agencies to maintain maximum possible accuracy of consumer information. Story : Because of this incorrect address, I have been treated with suspicion when applying for credit, as lenders questioned whether I was tied to fraudulent activities or identity theft. I had to explain repeatedly that this was not my residence, which caused embarrassment and delays in applications. This error has also triggered red flags in automated underwriting systems, leading to unfair denials. The mental stress of being linked to a place I have never lived in is unfair and unlawful. 
XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$0.00} XXXX XXXX XXXX XXXX  This account is being reported inaccurately. A charge-off must still reflect accurate balance information and payment history, yet this tradeline shows a high credit of {$0.00} which is contradictory. Furthermore, no verifiable documentation proving this debt has been provided. Reporting unverifiable and inconsistent information is a violation of FCRA 609 ( a ) ( 1 ) ( A ) ( right to documentation ), FCRA 611 ( a ) ( right to reinvestigation ), and FDCPA 807 ( 8 ) ( prohibiting communication of false credit information ). Story : Because of this false charge-off, my credit score has been damaged significantly, preventing me from refinancing my car loan at a lower interest rate. I have lost hundreds of dollars monthly due to higher payments caused by this negative mark. I also suffered humiliation when a rental application was denied because of this unverifiable account. The stress of being labeled as someone who defaults on accounts when I never received any proof or original contract has taken a toll on my mental and emotional well-being. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX This account is being reported with late payments that I dispute. The furnishers have failed to provide original signed contracts or verifiable proof of these delinquencies. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers may not report information they know or should know is inaccurate. Story : This late payment reporting has caused me to be denied credit cards and retail financing programs, which I needed for essential purchases. I have spent hours disputing this with no proper resolution, leaving me frustrated and financially limited. Every time my report shows late payments, it paints me as irresponsible, which is not true. The anxiety of seeing these false marks has affected my confidence when applying for credit and made me feel powerless in correcting the record. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX  This account is also being falsely reported with late payments. The inconsistency between reported balances, dates, and payment history is a violation of FCRA 607 ( b ). No original proof or billing statements have been provided to substantiate these claims. Story : These false late payments caused a mortgage lender to deny me pre-approval for a home loan, directly impacting my dream of becoming a homeowner. I was forced to continue renting at a much higher cost. Additionally, insurance companies raised my premiums after pulling my credit, citing negative payment history. The presence of this unverified account has financially drained me and caused emotional stress, making me feel punished for something I did not do. 
Harm Caused These inaccurate and unverifiable accounts have caused significant financial harm, including denials for housing, loans, and credit cards. They have also damaged my reputation and caused me emotional distress.

Relief Requested I demand the immediate deletion or correction of all items listed above. If the furnishers can not provide proper verification, the law requires removal. I request a full reinvestigation under FCRA 611, with written docu
mentation of the procedures used.

Failure to comply will result in escalation through legal action and further complaints with the FTC and the Office of the Attorney General.

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