Consumer complaint received 2025-10-16 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:
I am filing a formal complaint regarding multiple inaccurate entries on my credit report, including addresses, charge-offs, and late payments. These false reports are harming my creditworthiness and causing significant financial distress. I request immediate investigation and corrective action under Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
WRONG ADDRESSES XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me and should not be associated with my credit profile. Its inclusion is a clear violation of my rights and creates confusion for future lenders XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX This is another incorrect address. I have never maintained any financial or residential ties to this property. I request verification and deletion under FCRA requirements ACCOUNT DISPUTES XXXX XXXX XXXX | Opened XX/XX/XXXX | High Balance {$1400.00} | Charge Off I have no knowledge of this account. The reporting of a charge-off without my consent or verification is inaccurate. FCRA 1681s-2 ( b ) requires furnishers to report only verified information. I demand deletion of this account from my report XXXX XXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Charge Off I do not recognize this account. Reporting a charge-off falsely affects my credit score. Per FCRA guidelines, unverified information must be removed XXXX  XXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Charge Off I have never opened or authorized this account. The charge-off is reported without my knowledge. Under FCRA 1681i, I request immediate removal XXXX  XXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Charge Off Duplicate account entries with inaccurate charge-off reporting are present. I have no knowledge of this account. Removal is required XXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Charge Off I do not recognize this account. Reporting a charge-off without my consent is unlawful. Please remove this entry immediately XXXX XXXX Opened XX/XX/XXXX | High Balance {$0.00} | Charge Off This charge-off account is not mine. Reporting it is a violation of FCRA 1681s-2 ( b ). I request deletion XXXX  XXXX XXXX | Opened XX/XX/XXXX | High Balance {$320.00} | Late Payment I have never been late on this account. The reporting of late payments is false. Under FCRA 1681i, I request correction of payment history DEPT OF EDUCATIONXXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Late Payment I have never missed any payments on this account. The reporting of late payments is inaccurate and violates FCRA 1681i. Immediate correction is requested DEPT OF EDUCATION/XXXX  XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Late Payment I have never made a late payment on this account. Reporting a late payment is false and misleading. Under FCRA 1681i, I request correction of the payment history DEPT OF EDUCATION/XXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Late Payment This account is being inaccurately reported as late. I have maintained timely payments. Misreporting violates my rights under FCRA 1681e ( b ) and affects my credit reputation DEPT OF EDUCATION/XXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Late Payment I dispute the late payment status. I have never been late on this account. I request that this account be corrected to reflect accurate payment history DEPT OF EDUCATIONXXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Late Payment The late payment report is inaccurate. Under FCRA 1681s-2 ( b ), furnishers must provide only verified information. Immediate correction is required DEPT OF EDUCATION/XXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Late Payment I have never missed payments. Reporting late payment is false. I request immediate correction and verification of this account DEPT OF EDUCATION/XXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Late Payment The reported late payment is not accurate. Misreporting my account history is a violation of FCRA 1681i. I request the status be corrected DEPT OF EDUCATIONXXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Late Payment I dispute this late payment. I have always maintained timely payments. I demand correction of the account history DEPT OF EDUCATIONXXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Late Payment The account is being inaccurately reported as late. I have never missed payments. I request correction under FCRA regulations DEPT OF EDUCATIONXXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Late Payment Duplicate entry of this account shows false late payment. I demand correction and removal of inaccurate reporting DEPT OF EDUCATIONXXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Late Payment I have never been late on this account. Reporting a late payment is false and misleading. Under FCRA 1681i, I demand correction of the payment history DEPT OF EDUCATION/XXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Late Payment This late payment report is inaccurate. I have consistently made on-time payments. Misreporting violates FCRA 1681e ( b ) and impacts my credit profile DEPT OF EDUCATION/XXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Late Payment The reported late payment is false. I request that this account be corrected to reflect accurate payment history as required under FCRA DEPT OF EDUCATION/XXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Late Payment I have never missed payments. Reporting late payment is inaccurate and violates FCRA 1681s-2 ( b ). I request immediate correction DEPT OF EDUCATIONXXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Late Payment This account is being inaccurately reported as late. I have maintained timely payments. Correction is required under FCRA guidelines DEPT OF EDUCATION/XXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Late Payment The late payment entry is incorrect. I have never been late. Under FCRA 1681i, I demand immediate correction of this account DEPT OF EDUCATION/XXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Late Payment This late payment report is false. I request that the account reflect accurate and verified payment history DEPT OF EDUCATION/XXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Late Payment I dispute this late payment. I have never missed any payments. Immediate correction is requested under FCRA 1681i DEPT OF EDUCATION/XXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Late Payment This account is inaccurately reported as late. I have made all payments on time. I request correction or removal if verification can not be provided XXXX  XXXX | Opened XX/XX/XXXX | High Balance {$2600.00} | Late Payment I have never made late payments on this account. Reporting it inaccurately is misleading and harmful. Correction of payment history is required XXXX XXXX  XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Collection This account is not mine. Reporting a collection without my consent is unlawful. I demand immediate removal XXXX XXXX  XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Collection Duplicate entry of the above account is being reported falsely. Removal is requested under FCRA 1681i XXXX XXXX  XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Collection I have no knowledge of this account. The collection reporting is false. I demand deletion and correction of my credit report XXXX XXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Charge Off I have no knowledge of this account. Reporting a charge-off without verification is inaccurate. Under FCRA 1681s-2 ( b ), furnishers must provide only verified information. Immediate deletion is requested XXXX  XXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Charge Off I do not recognize this account. Reporting a charge-off falsely affects my credit score. Removal is requested under FCRA 1681i XXXX XXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Charge Off Duplicate account with inaccurate charge-off reporting. I have no knowledge of this account. Immediate deletion is required XXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Charge Off This charge-off is not mine. Reporting it is a violation of FCRA 1681s-2 ( b ). I request immediate removal XXXX XXXX | Opened XX/XX/XXXX | High Balance {$430.00} | Late Payment I have never been late on this account. Reporting late payments falsely affects my credit score. Correction of payment history is required under FCRA 1681i INQUIRY DISPUTES XXXX  | XX/XX/XXXX Inquiry not authorized. Request deletion under FCRA 1681b ( f ) XXXX  | XX/XX/XXXX This inquiry is false and unauthorized. Removal requested XXXX | XX/XX/XXXX I did not authorize this inquiry. Delete immediately XXXX XXXX XXXX | XX/XX/XXXX Unauthorized hard inquiry. Please remove XXXX XXXX | XX/XX/XXXX I have no knowledge of this inquiry. Request deletion XXXX XXXX | XX/XX/XXXX Inquiry not authorized. Delete under FCRA 1681b ( f ) REQUEST I request that all above-referenced accounts and addresses be thoroughly investigated. Any unverified or inaccurate information must be deleted immediately. Reporting unverified charge-offs, late payments, or wrong addresses violates FCRA 1681i and FCRA 1681s-2 ( b ). I demand my credit report reflect accurate and complete information LEGAL BASIS : FCRA 1681e ( b ) Accuracy of reported information FCRA 1681i Dispute process and correction of inaccuracies FCRA 1681s-2 ( b ) Duty of furnishers to report only verified information I expect a written response within the timeframe required by law. Thank you for your immediate attention to this matter

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