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: GA

Complaint narrative:
To Whom It May Concern I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate and unauthorized items appearing on my credit reports These include wrong addresses, false late payment reporting, and numerous unauthorized hard inquiries Each item listed below is causing serious damage to my credit profile and financial opportunities despite my prior dispute attempts and existing CFPB complaint already open The continued presence of these inaccuracies violates my rights under the Fair Credit Reporting Act ( FCRA ) and must be addressed immediately XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX Wrong Address Issue : I have never resided at this address nor used it in any financial, residential, or identification context. 
Law : FCRA 1681e ( b ) Credit bureaus must ensure the maximum possible accuracy of the information they report.

Story : This address is a complete mismatch with any of my personal, employment, or legal history. The inclusion of this location on my credit report suggests either file mixing with another consumer or potential identity fraud. This error not only misrepresents my true residency but also puts me at risk of future fraudulent claims or data breaches. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX Wrong Address Issue : This address is incorrectly reported and has no relation to my identity or credit history. 
Law : FCRA 1681i ( a ) If a consumer disputes inaccurate info, the bureau must investigate and delete unverifiable data.

Story : I have submitted a previous dispute to remove this incorrect address. However, it remains on my file, damaging my credit credibility. The repeated negligence shows a lack of proper reinvestigation and disregard for my right to accurate credit reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/year>XXXX  | Balance : {$0.00} Late Payment * * Issue : Reporting a late payment on an account with a zero-dollar balance is misleading and potentially false. 
Law : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must not report inaccurate information ; Metro 2 guidelines prohibit late notations on closed or paid accounts. 
Story : This account shows a {$0.00} balance, yet it reflects late payments, which is contradictory and has resulted in a negative impact on my credit score. Such reporting misguides potential creditors and falsely implies mismanagement on my part. This must be corrected or removed.

I am requesting the CFPB to fully investigate all these matters and instruct the responsible credit bureaus and furnishers to delete the inaccurate addresses, remove the late payment entry that contradicts the account status, and delete all unauthorized hard inquiries listed above These errors are negatively impacting my credit profile and financial reputation and have caused considerable stress and financial harm I also request confirmation from CFPB and any relevant agencies once the issues have been addressed and corrected Thank you for your attention to this serious 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 explanation