Consumer complaint received 2025-07-14 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: TX

Complaint narrative:
To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am submitting this complaint regarding numerous inaccuracies and unlawful reporting on my credit file. These errors have severely harmed my financial life and mental health. Despite prior disputes, the credit reporting agencies and data furnishers have failed to investigate or correct the issues. I am requesting your help under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and all applicable consumer protection laws. The following addresses, accounts, and inquiries are being falsely reported, leading to unfair denial of credit, housing, and employment opportunities. 
WRONG ADDRESSES : XXXXXXXX XXXX XXXX XXXX  TX XXXX Issue : I have never lived at this address, nor have I been associated with it at any point. It is a completely inaccurate data entry on my credit file. 
Law Violation : FCRA 1681e ( b ) bureaus are required to ensure maximum accuracy of reported data.

Story : This incorrect address has caused me repeated ID verification failures when applying for a loan. My drivers license and lease documents prove that I never lived there. Yet the credit bureaus keep re-inserting this data even after disputes. 
XXXX XXXX XXXX, TX XXXX Issue : Not my address, never resided there. 
Law Violation : FCRA 1681i ( a ) failure to reinvestigate disputed data and correct/remove it.

Story : I lost a job opportunity because the background check flagged this address, confusing it with someone with a criminal record. My identity and character are being harmed by the bureaus ' negligence. 
NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | High Balance : {$390.00} | Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Late payment reported during a period of verified medical hardship. 
Law Violation : FCRA 1681i failure to correct data after dispute. Equal Credit Opportunity Act ( ECOA ) protections ignored.

Story : I lost employment due to a health crisis and contacted Capital One explaining the hardship. They offered no help. I requested a goodwill adjustment, which was ignored. I provided hospital documents during my dispute. Still, this stain remains. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | High Balance : {$470.00} | Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Fraudulent account. I did not open this. 
Law Violation : FDCPA 809 failure to validate debt. FCRA 1681s-2 duty of furnishers to investigate after consumer dispute. 
XXXX : This account suddenly appeared with a balance and a charge-off status. I reported it as identity theft. XXXX XXXX never sent application documents or IP records proving it was mine. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} | Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Charged off even though balance is {$0.00}. Never had a XXXX XXXX account. 
Law Violation : FCRA 1681e ( b ) inaccurate and misleading reporting.

Story : This item should not exist at all. I never had XXXX XXXX XXXX, and {$0.00} balance accounts being charged off is suspicious and misleading to lenders. 
XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX | High Balance : {$1300.00} | Opened : XX/XX/XXXXXXXX XXXX XXXX  Issue : Fraudulent account. 
Law Violation : FDCPA 809 and FCRA 1681s-2 ( b ). 
Story : XXXX has failed to validate this account. I never opened this line or used their service at the address linked to the account. The credit bureaus refused to remove it after multiple disputes. 
XXXX XXXX XXXXXXXX| High Balance : {$6900.00} | Opened : XX/XX/XXXXXXXX XXXX Issue : Unverified collection account. 
Law Violation : FDCPA 809 and FCRA 1681i failure to verify and correct information.

Story : I have no recollection or record of this debt. The agency provided no documents. Its harming my report unjustly. Debt collectors must validate debts when requested. This one never did. 
XXXX XXXX XXXXXXXX| XXXX XXXX : {$8900.00} | Opened : XX/XX/XXXXXXXX XXXX Issue : Invalid and unverifiable collection. 
Law Violation : FDCPA 807 misrepresentation and FCRA 1681e ( b ) failure to report accurate information.

Story : I believe this account was fraudulently placed on my file. I have no contracts, bills, or payment history from this collector. Yet it's being treated as a valid debt. Theyve ignored my disputes and damaged my report. 
UNAUTHORIZED INQUIRIES : XXXX XXXX | Date : XX/XX/XXXX Issue : Hard inquiry without consent. 
Law Violation : FCRA 604 permissible purpose required.

Story : I never applied for any service from them. This unauthorized inquiry lowered my score. 
XXXX XXXX XXXX : XX/XX/XXXX Issue : Unauthorized inquiry. 
Law Violation : FCRA 604 ( a ) ( 3 ).

Story : I never gave permission. No credit application submitted. I feel my privacy has been violated. 
XXXX | Date : XX/XX/XXXX Issue : Hard inquiry pulled without application. 
Law Violation : FCRA 604 no permissible purpose.

Story : This lender pulled my report without my consent. This is reckless and unauthorized. 
XXXX XXXX XXXX | Date : XX/XX/XXXX Issue : Unauthorized inquiry. 
Law Violation : FCRA 604.

Story : I had no interaction with XXXX. This is deeply concerning and indicates possible misuse of my personal data. 
SECURITY F | Date : XX/XX/XXXX Issue : Inquiry done without knowledge or permission.

Law Violation : FCRA 604.

Story : They have no business pulling my report. This is either identity theft or data abuse. 
XXXXXXXX XXXX  | Date : XX/XX/XXXX Issue : Mortgage inquiry I never initiated. 
Law Violation : FCRA 604 and potential TILA ( Truth In Lending Act ) issues.

Story : This is highly suspicious. I wasnt house shopping, yet I see a mortgage lender pulling my data. Possibly tied to spam lead generation. 
XXXX XXXX XXXX | Date : XX/XX/XXXX Issue : Duplicate unauthorized inquiry. 
Law Violation : FCRA 604.

Story : Never authorized this. It seems related to the XXXX mortgage inquiry. These inquiries are being bundled and misused. 
ADVANTAGE | Date : XX/XX/XXXX Issue : Repetitive inquiry on the same day. 
Law Violation : FCRA 604.

Story : Duplication of the same inquiry by different business units. These repeated hits have damaged my score unfairly.

Conclusion : I request the CFPB to open a full investigation into these items. All the wrong addresses, inaccurate accounts, and unauthorized inquiries listed above violate multiple federal laws. I am suffering financial, emotional, and professional damage because of these unresolved reporting errors. I am requesting permanent deletion of all inaccurate information, and for the responsible parties to be held accountable.

Thank you for your assistance.

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