Consumer complaint received 2025-10-24 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: SC

Complaint narrative:
Dear Sir or Madam, This letter serves as my formal dispute and demand for reinvestigation under the Fair Credit Reporting Act ( FCRA ) 609 and 611. I recently obtained a copy of my credit report and discovered multiple inaccurate, unverifiable, and outdated items being reported. These errors are severely damaging my credit reputation and causing undue hardship. I am requesting your bureau to conduct a full reinvestigation, validate the information with the data furnishers, and permanently delete or correct all unverifiable or inaccurate entries immediately. 
The following items are in dispute : XXXXXXXX XXXX XXXX XXXX SC, XXXX WRONG ADDRESS This address does not belong to me and has never been associated with my residence or employment. I have never lived or conducted any personal or financial activity at this location. Reporting a wrong address on my credit file is a serious FCRA violation and creates confusion about my true identity. I demand that this address be removed from my credit profile immediately as it is factually incorrect and unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC, XXXX WRONG ADDRESS This is another incorrect and unrelated address reported under my name. I have no personal, financial, or legal connection to this address. Such misreporting misrepresents my identity and can lead to mistaken association with accounts or activities that do not belong to me. I request its deletion immediately in accordance with FCRA 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXXXXXX LATE PAYMENT ( Opened : XX/XX/XXXX | High Credit : {$0.00} ) This account is being reported with late payments that are false and damaging. I have never missed or delayed any payment on this account. The creditors reporting of a high credit of {$0.00} makes this entire record contradictory and unreliable. Reporting false payment history is a direct violation of FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or have reason to believe is inaccurate. I am demanding a full correction of the payment history to reflect never late or the complete deletion of the account if the data can not be verified accurately. 
XXXX XXXXXXXX CHARGE OFF ( Opened : XX/XX/XXXX | High Credit : {$0.00} ) This account is also inaccurately reported as a charge off. I have no relationship with this lender, and no documentation has ever been provided to me to prove the existence of such an account. The reporting of a {$0.00} high credit again demonstrates this item is false or fabricated. Under FCRA 611 and 609, I request that the bureau demand from the furnisher original signed documents proving the validity of this account. If the creditor can not provide verifiable documentation within 30 days, this record must be deleted from my credit report entirely. 
XXXX XXXX XXXX COLLECTION ( Opened : XX/XX/XXXX | Balance : {$2600.00} ) I dispute this collection account in its entirety as I have no knowledge of any debt owed to this company. I was never contacted, billed, or notified regarding any such obligation. Reporting a collection without validation is a violation of both FCRA and the FDCPA ( Fair Debt Collection Practices Act ) 809 ( b ), which requires proof of debt before collection or reporting. Until valid documentation is presented ( including a signed agreement and itemized account history ), this entry must be deleted immediately. 
XXXX XXXX XXXX COLLECTION ( Opened : XX/XX/XXXX | Balance : {$210.00} ) This account is being reported without my knowledge or authorization. I have never done business with this company or any original creditor connected to it. No debt validation letter was sent to me, as required under FDCPA 809 ( b ). Reporting unverified debt violates both the FDCPA and the FCRA. Therefore, I demand a full deletion of this item from my credit report since it can not be legally verified. 
XXXX INQUIRIES ( XX/XX/XXXX ) XXXX INQUIRY ( XX/XX/XXXX ) I dispute these hard inquiries because I never granted authorization or consent for these companies to access my credit report. Unauthorized credit inquiries violate FCRA 604 ( a ) ( 2 ) which requires a permissible purpose for every credit pull. These inquiries were done without any legitimate application or my written approval. I request that all the above unauthorized inquiries be removed immediately to prevent further damage to my credit standing. 
These items are inaccurate, unverifiable, and violate my rights under federal law. I am requesting that you : 1. Conduct a full reinvestigation into each item listed. 
2. Provide me with the name, address, and documentation from each creditor verifying the reported information. 
3. Delete or correct all unverifiable or inaccurate data within 30 days as required by FCRA 611 ( a ) ( 1 ) ( A ). 
If your investigation confirms that these entries are unverifiable, I expect their immediate removal and an updated copy of my credit report reflecting the corrections. Failure to comply may result in legal action under FCRA 616 and 617 for negligent or willful noncompliance. 
Thank you for your prompt attention to this matter. I expect written confirmation of your actions within 30 days as 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