Consumer complaint received 2025-08-01 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: MI

Complaint narrative:
To CFPB, I am filing this formal complaint due to multiple incorrect and damaging entries on my credit report, including inaccurate addresses, charge-offs, and late payments that are severely affecting my creditworthiness and violating my consumer rights under federal law. I am requesting that these items be fully investigated, and all unverifiable or inaccurate data be permanently removed from my credit file. Below are the details of the disputes : WRONG ADDRESS : XXXX XXXX XXXX XXXX, MI XXXX Issue : I have never lived at this address and have no connection to this location Law : FCRA 1681c-2 and 1681e ( b ) require that only accurate, verifiable data be reported Story : This false address on my report is affecting my identity verification with lenders, banks, and service providers. I have experienced denials and delays in applications due to confusion over where I reside. This address is either a case of mixed file or identity misuse. No valid documents have ever been produced proving my association with this property. I demand immediate deletion and confirmation in writing. 
WRONG ADDRESS : XXXX XXXX XXXX XXXX, MI XXXX Issue : This address is completely unknown to me and should not appear in my credit file Law : FCRA 623 ( b ), 1681i ( a ) CRAs must reinvestigate disputed info and remove unverifiable data Story : I believe this was reported due to an error or data entry mix-up. I have no relationship with this location. This is causing issues when I try to verify my identity online and impacts rental and insurance applications. Your agency has a duty to remove it once I dispute and no proof is provided. This is now a second request. Continued reporting may be considered willful non-compliance under 15 USC 1681n. 
ACCOUNT : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Status : Late Payment * * Issue : This late payment is outdated and unverifiable Law : FCRA 1681c ( a ) ( 4 ), 1681s-2 ( a ), and FCBA require accurate aging and reporting Story : This payment was late during a time of serious financial hardship beyond my control. I notified the creditor of my situation and received no response or accommodation. Despite bringing the account to current and then paying it off, they continue to report this old derogatory item. This is negatively impacting my ability to secure new credit and employment. The lateness is over XXXX XXXX XXXX and should be purged. Continued reporting violates my rights. 
ACCOUNT : XXXX XXXX XXXXXXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Status : Chargeoff * * Issue : This account is incorrectly listed as a charge-off Law : FCRA 1681s-2, FDCPA 807 ( 8 ), 1692e prohibits inaccurate and deceptive representations Story : I had made arrangements with XXXX  XXXX and believed this account was being handled. I was never formally notified of the charge-off. Now I see this negative remark with a {$0.00} balance, which misleads lenders into thinking I defaulted with no resolution. Additionally, this XXXX be duplicating in other parts of my credit file. I demand proof of original charge-off documents or immediate deletion. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Status : Chargeoff * * Issue : This charge-off was settled but still reporting inaccurately Law : FCRA 1681i, 1681s-2, and FDCPA 807 require accurate account resolution reporting Story : I paid this account through a negotiated settlement, yet its still reported as a full charge-off. Thats false and damaging. This is misleading and harmful to my score and reputation. There is no remaining balance due. You are violating the law by reporting this as if it's unpaid. This must be corrected or deleted immediately. 
This continued inaccurate reporting has caused emotional distress, loan rejections, and job opportunity denials. I am invoking my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), and I request the CFPB to conduct a full investigation and ensure these violations are corrected immediately. If the information can not be verified with legally compliant documentation, it must be permanently deleted from my credit report. 
I demand a written resolution and confirmation of actions taken in response to this complaint.

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