Consumer complaint received 2025-09-01 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 submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my consumer rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws are being violated. The credit bureaus and furnishers have failed in their duty to ensure maximum possible accuracy of my credit report under FCRA 602 ( A ), 607 ( B ), and 611, and they have also allowed unverifiable and outdated information to remain. These errors have caused me significant harm, including damage to my creditworthiness, emotional distress, and denial of financial opportunities. I am demanding that these inaccurate items be removed immediately after proper reinvestigation as required by law. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Law : FCRA Sections 607 ( a ), 611 ( a ), 609 ( a ) ( 1 ) Issue : This address has never been associated with me and is inaccurately reported on my credit report. 
Story : Reporting a false address misrepresents my personal identity and XXXX associate me with debts or accounts that are not mine. This repeated error creates confusion for creditors and may lead to wrongful denials of credit or services. Under FCRA Sections 607 and 611, CRAs are required to maintain maximum possible accuracy. The presence of this address violates my rights and materially harms my credit history. I request immediate deletion unless verified with proper documentation proving I resided here. 

Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Law : FCRA Sections 609 ( a ) ( 1 ), 611 ( a ) Issue : Another incorrect address appears on my report, contributing to identity confusion. 
Story : Duplicate or similar incorrect addresses amplify the risk of misattributed debts. FCRA Section 611 mandates reinvestigation of all disputed information. Maintaining unverified or false addresses is a direct violation and harms my credit profile. I require this item to be fully removed unless supporting proof is provided. 

Account : XXXX XXXX XXXX XXXX XXXX  Charge Off Date Opened : XX/XX/XXXX High Credit : {$10000.00} * * Law : FCRA Sections 607, 611 Issue : This account is inaccurately reported as a charge-off. 
Story : I dispute the charge-off status as incorrect or potentially due to misreporting. Reporting an unverified charge-off violates FCRA Section 611 ( a ), which requires credit bureaus to conduct a reasonable investigation of disputed items. I request full verification with statements, notices, and documentation proving the alleged delinquency. Until verified, this account must be deleted to prevent ongoing harm to my credit. 

Inquiry : XXXXXXXX XXXX XXXXXX/XX/XXXX Law : FCRA Section 604 ( a ) Issue : Unauthorized hard inquiry. 
Story : I did not authorize this inquiry. Including unauthorized inquiries violates FCRA Section 604 ( a ) and may impact my credit score. I request deletion of this inquiry and proof of authorization. Continuing to report unauthorized inquiries misrepresents my credit activity. 

Inquiry : XXXX XXXX XX/XX/XXXX Law : FCRA Section 604 ( a ) Issue : Hard inquiry made without authorization. 
Story : I never provided consent for this inquiry. Unauthorized reporting under FCRA Section 604 ( a ) misleads creditors and harms my financial profile. I request immediate removal and full documentation of authorization. 

I am requesting the Consumer Financial Protection Bureau ( CFPB ) to take enforcement action and ensure these violations of the Fair Credit Reporting Act are corrected immediately. The presence of these wrong addresses, inaccurate late payments, an unverifiable charge-off, and unauthorized inquiries violates my rights under FCRA 602 ( A ), 607 ( B ), 611, 623, and 604. I demand a full reinvestigation of each item and the permanent deletion of unverifiable or inaccurate information. If these violations are not corrected, I am prepared to escalate further with legal action.

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