Consumer complaint received 2025-09-22 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: VA

Complaint narrative:
I am writing to formally dispute multiple inaccuracies and errors reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2, credit reporting agencies and furnishers are required to report accurate information. The following accounts and addresses are inaccurately reported, resulting in material harm to my creditworthiness, financial opportunities, and personal reputation. 
XXXX XXXX XXXX, XXXX XXXX, VA, XXXX Wrong Address This address has never been associated with me. Its presence on my credit report suggests inaccurate data management and potential identity confusion. Because of this error, lenders and service providers have been sending correspondence to this wrong address, delaying important notices, and causing repeated verification issues with my accounts. Misreporting addresses is a violation of FCRA Section 609 ( a ), as it misrepresents my residency history and can adversely impact loan and mortgage applications. 
XXXX XXXX XXXX XXXX XXXX, VA, XXXX Wrong Address This erroneous address has led to repeated miscommunication between me and financial institutions. I have been denied or delayed in obtaining certain lines of credit because this incorrect address casts doubt on my identity verification. Its reporting is materially inaccurate under FCRA 609 and constitutes negligence on the part of the reporting agency. 
XXXX XXXX XXXX, Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$250000.00} Late Payment This account falsely shows late payments. I have consistently paid on time, and these inaccurate reports have led to higher interest rates being quoted to me, delayed refinancing approval, and additional financial stress. Misreporting late payments violates FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ). This error has also caused undue emotional distress and has materially harmed my ability to obtain housing and auto loans, as lenders rely on these reports to assess creditworthiness. 
CREDIT XXXX XXXX, Date Opened XX/XX/XXXX, High Balance {$72.00} Collection This collection account is falsely attributed to me. I have never owed this debt. Its appearance has caused rejection of credit applications, harassment from collection agencies, and unwarranted inquiries into my personal finances. FCRA 623 ( b ) ( 1 ) prohibits the reporting of inaccurate information, and this false listing constitutes both a financial and reputational harm.

I request that all inaccurate information be investigated and immediately corrected or removed. Any continued reporting of these inaccuracies constitutes a violation of federal law. I am exercising my rights under FCRA to demand the removal of incorrect addresses, false late payments, erroneous collections, and unauthorized inquiries. Failure to correct these errors may result in further legal action, including remedies under federal and state law.

Please acknowledge receipt of this dispute and provide confirmation of your investigation within the timeframe required by law.

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