Consumer complaint received 2025-07-29 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: GA

Complaint narrative:
I am filing this complaint due to numerous inaccuracies and harmful entries on my credit report that have caused significant distress, financial damage, and reputational harm. This is my second complaint as my issues remain unresolved. These inaccuracies involve wrong addresses, late payments, collections, and unauthorized XXXX  inquiries, all of which violate federal regulations under the Fair Credit Reporting Act ( FCRA ) ( XXXX XXXX. XXXX ), the Fair Debt Collection Practices Act ( FDCPA ) ( XXXX XXXX. XXXX ), and related statutes. Below are the details : XXXX XXXX XXXX XXXX XXXX, GA XXXX Wrong Address Issue : I have never lived at, rented, or received mail at this location. Reporting this address is inaccurate and violates FCRA XXXX ( b ), which mandates that credit bureaus maintain maximum possible accuracy. This error appears to be either identity confusion or file mixing. 
XXXX : FCRA XXXX ( b ), XXXX ( b ), XXXX ( b ) Story : Because of this false address, I failed an apartment application background check and had to pay a higher deposit for alternative housing. I am suffering ongoing confusion during credit applications where addresses are cross-verified. This inaccuracy must be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX Wrong Address Issue : I have no connection to this address. I never listed this with any creditor or financial institution. This is another inaccuracy impacting my report. 
XXXX : FCRA XXXX ( b ), XXXX ( b ) Story : This incorrect address causes delays and suspicion in address verifications for online banking and credit checks. At XXXX point, a fraud flag was triggered on my bank account due to mismatch in address verification, which caused me to lose access to my XXXX account for XXXX hours. 
XXXX XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX Balance : {$65000.00} Late Payment Issue : I dispute the reported late payment. Payments were submitted timely, and I was never provided with a valid late notice. 
XXXX : FCRA XXXX ( a ) ( XXXX ) ( A ), FCRA XXXX Story : The reporting of a false late payment caused my auto refinance loan to be denied, leading to much higher interest costs. Ive had to explain this error repeatedly to lenders, which is emotionally exhausting. My trust in XXXX XXXX has eroded, and this error is financially punishing me for something I did not do. 
XXXX XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX Balance : {$6300.00} Late Payment Issue : This loan was in forbearance status due to financial hardship, and late payments should not have been reported. 
XXXX : FCRA XXXX ( a ), XXXX ( a ) ( XXXX ) ( A ), FDCPA XXXX ( XXXX ) Story : I was denied a graduate school financial aid package due to this late payment notation, even though it is over XXXX XXXX XXXX and should have aged off. This has delayed my educational and career progress significantly. 
XXXX XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX Balance : {$5200.00} Late Payment Issue : Again, this is an outdated and inaccurate reporting of lates, possibly re-aged. 
XXXX : FCRA XXXX ( a ) ( XXXX ), XXXX ( b ) Story : Due to this derogatory entry, I was disqualified from affordable housing support. The emotional impact of seeing this old data repeatedly surface is devastating and affects both my mental health and professional opportunities. 
XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} Late Payment Issue : Payment arrangements were made verbally due to hardship, and XXXX  XXXX agreed not to report lates. 
XXXX : FCRA XXXX, FDCPA XXXX Story : This late payment damaged my XXXX XXXX to XXXX XXXX I couldnt qualify for a XXXX XXXX XXXXXXXX. I missed out on expanding my self-employment opportunity and incurred XXXX XXXX 
XXXX Acct : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Collection Issue : I was never notified of this debt or account. It suddenly appeared on my credit without any prior contact. 
XXXX : FDCPA XXXX ( a ), FCRA XXXX Story : Due to this account, my emergency rental loan was denied, and I was at risk of eviction. This has caused intense stress and personal hardship. It must be removed or validated with full documentation. 
XXXX Acct : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6300.00} Late Payment * * Issue : This appears to be a duplicate of a previous account, reported twice with same balance. 
XXXX : FCRA XXXX ( b ), XXXX ( A ) Story : Due to double reporting, my total debt-to-income ratio looks inflated. I was denied a consolidation loan as a result. Ive had to provide written explanations multiple times, which is unfair and humiliating. 
XXXX Acct : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} Late Payment * * Issue : Likely another duplicate or error in balance splitting. 
XXXX : FCRA XXXX ( b ) Story : This incorrect listing caused my mortgage preapproval to be withdrawn, despite months of planning. My family suffered and had to move into temporary housing, which was financially and emotionally draining. 
XXXX XXXX on XX/XX/XXXX Issue : I did not authorize this inquiry. 
XXXX : FCRA XXXX ( a ) ( XXXX ) Story : I have never applied with XXXX. This unauthorized inquiry lowered my score and raised suspicion during an employment background check. 
XXXX  XXXX Inquiry on XX/XX/XXXX Issue : I did not authorize a hard inquiry. 
XXXX : FCRA XXXX ( a ) Story : I simply requested vehicle pricing info ; no credit should have been pulled. This cost me XXXX points on my score. 
XXXX XXXX  XXXX on XX/XX/XXXX Issue : I never applied with XXXX  or XXXX. 
Law : FCRA XXXX XXXX : This unauthorized pull affected my retail card applications. I was denied credit in-store and embarrassed in front of others. 
I request that the CFPB conduct a full investigation and hold all data furnishers and credit reporting agencies accountable for their violations. I demand deletion of all incorrect addresses, validation or removal of collection accounts, correction or deletion of incorrect late payments, and removal of all unauthorized XXXX  inquiries. 
These reporting issues have had a direct negative impact on my XXXX XXXX, ability to obtain housing and employment, and have caused emotional stress, which falls under FCRA XXXX ( a ) protection for fairness, accuracy, and privacy of consumer information. 
Please escalate this matter and ensure compliance from the relevant institutions

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