Consumer complaint received 2025-07-30 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: NJ

Complaint narrative:
b'To the Consumer Financial Protection Bureau (CFPB)\nI am filing this formal complaint under the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) because my consumer rights have been violated by credit reporting agencies and furnishers who are reporting inaccurate, unverifiable, and unauthorized information on my credit reports These violations involve incorrect addresses inaccurate account data and numerous hard inquiries that I did not authorize or permit I respectfully request a full investigation and enforcement action to ensure my file is corrected and the responsible parties are held accountable\XXXX XXXX XXXX XXXX XXXX XXXX\nIssue: This address is incorrect and never associated with me\nLaw: FCRA  1681e(b)  failure to ensure maximum possible accuracy\nStory: I have never lived at or been associated with XXXX XXXX XXXX XXXX XXXX XXXX This address is appearing on my credit report without my authorization or connection It is likely a result of file mixing or identity confusion This incorrect address has led to confusion and the potential attachment of false accounts to my profile causing unnecessary damage to my creditworthiness It violates my right to accurate and verifiable information and I request its immediate deletion\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nIssue: Unauthorized and inaccurate address reporting\nLaw: FCRA  1681i  duty to reinvestigate disputed information\nStory: This address has never belonged to me nor have I received any mail or conducted business from XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inclusion of this address is a result of either identity theft or inaccurate third-party furnishing Its continued presence on my file is damaging and contributes to false associations with delinquent accounts or inquiries This is highly concerning and a violation of my consumer rights and I am requesting immediate removal\XXXX XXXX XXXX Date Opened: XXXX High Credit: XXXX\nIssue: Late payments reported inaccurately\nLaw: FCRA  623(a)(1)(A) and FDCPA  807(8)\nStory: I was never made aware of any delinquency and I never received any formal notice regarding late payments This account was believed to be in good standing and auto-pay was enabled The late payment reporting came as a complete surprise and damaged my credit severely This is a violation of my rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act and I demand either proof of default including dates and statements or full deletion of the late marks\XXXX XXXX XXXX** Date Opened: XXXX High Credit: XXXX\nIssue: Unauthorized and inaccurate late payment reporting\nLaw: FDCPA  809(a) and FCRA  1681b\nStory: I have no recollection of opening this account with Kovo Inc and no contract or billing history has been provided I believe this account was opened or reported in error The late payments are harming my score and were never communicated to me by mail or electronically I am requesting full validation and deletion if such information cannot be produced within the FCRA-prescribed timeline\XXXX XXXX  Date Opened: XXXX High Credit: XXXX\nIssue: Late payments reported during periods of forbearance or deferment\nLaw: FCRA  1681s-2(a)(1)(A)\nStory: I had requested and been granted deferments or forbearance through official channels during the reported late payment periods These protections were not honored and the loan servicer failed to update the reporting status accurately resulting in wrongful late marks This error has cost me financing opportunities and is a direct violation of federal education loan reporting standards and the FCRA I am requesting correction or deletion of this inaccurate data\XXXX XXXX XXXX XXXX Date Opened: XXXX High Credit: XXXX\nIssue: Incorrect late payment reporting\nLaw: FDCPA  807(8) and FCRA  623\nStory: I had automatic payments set up for this account and was never informed of any failed transaction or due balance The lender did not make any effort to reach out or confirm a missed payment yet reported me late without verifying the facts I consider this unfair treatment and inaccurate credit reporting I demand either supporting documents proving the delinquency or immediate deletion of negative data\XXXX XXXX XXXX XXXX  Date Opened: XXXX High Credit: XXXX\nIssue: Charge-off reported without validation\nLaw: FDCPA  809(b) and FCRA  1681i\nStory: I was never sent a final notice nor received any opportunity to pay or dispute the balance before this charge-off was reported The lack of transparency and communication is in clear violation of federal law I have never received a detailed breakdown of the alleged default or legal right to cure I am demanding full validation or deletion\XXXX XXXX XXXX XXXX** Date Opened: XXXX  High Credit: XXXX\nIssue: Inaccurate charge-off reporting\nLaw: FCRA  623 and FDCPA  807\nStory: This charge-off came without any warning letters or account statement showing a delinquent balance I believe there is either an internal error or identity confusion involved The reporting party failed to follow due process and has severely affected my credit profile unjustly This account must be removed unless it can be verified with full statements and legal notice documentation\nXXXX XXXX XXXX XXXX  Date Opened: XXXX Credit Limit: XXXX\nIssue: False late payment reporting\nLaw: FCRA  623(a)(1)\nStory: My account was in good standing and I never missed a payment I was not notified of any late fees or status change This seems like a data entry or reporting error by the lender and I have not received any documentation to support the negative marks I request full correction or immediate deletion\nHard Inquiries (Unauthorized/Excessive)\nLaw: FCRA  604(a)(3) and  615  No permissible purpose or notice of adverse action\nStory: The following inquiries were either made without my consent or were pulled multiple times by the same entity without a resulting credit account They are abusive and harmful and violate my rights under FCRA No authorization or disclosure was given by me and I request immediate removal of each unauthorized inquiry\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nEach of these inquiries must be verified for permissible purpose and authorization If the bureaus or furnishers cannot prove that I authorized these with signed application or documented consent they must be deleted immediately to prevent further damage to my credit standing\nUnder FCRA  611 and 15 U.S.C.  1681i I demand a full reinvestigation of each item listed above and written confirmation of the deletion or correction within 30 days If verification cannot be provided these items must be removed as per the law Additionally I reserve the right to escalate this matter with the Consumer Financial Protection Bureau (CFPB) Federal Trade Commission (FTC) and consider legal action under 15 U.S.C.  1681n and  1681o for willful or negligent noncompliance with the FCRA\nI request prompt investigation into all these violations and confirmation once they are resolved I also request that fines or enforcement be issued if noncompliance continues Thank you for reviewing my complaint and protecting consumer rights'

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