Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter is a formal dispute of inaccurate, obsolete, unverifiable, and misleading information on my credit file. I demand a complete and thorough investigation pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ). 

The following items violate the FCRA and the Metro 2 Credit Reporting Resource Guide. They are severely damaging to my credit reputation and must be deleted immediately. 

XXXX. Incorrect Personal Information Violation of 15 U.S.C. 1681c ( f ) & Data Accuracy My report lists multiple incorrect addresses that are not and have never been associated with me. The only valid address is XXXX XXXX XXXX XXXX XXXX, CA, XXXX. The inclusion of addresses in Nevada ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX and XXXX XXXX XXXX, XXXX, NV, XXXX ) is inaccurate. This fundamental error calls into question the integrity of the entire file and suggests these derogatory accounts XXXX be linked to me in error. 

XXXX. Accounts with Multiple, Conflicting Statuses Violation of Metro 2 & 15 U.S.C. 1681e ( b ) Several accounts are reporting conflicting information across bureaus, which is a clear violation of reasonable procedures to ensure maximum possible accuracy. For example : XXXX XXXX : XXXX XXXX lates with XXXX bureau and XXXX lates with another. This is impossible and proves the data is unverifiable. 

SUN XXXX XXXX : Reports different " Last Activity '' dates ( XXXX XXXX, XXXX vs. XXXX XXXX, XXXX ) and conflicting late payment histories. This inconsistency makes the data inherently unreliable. 

XXXX. Obsolete Information Violation of 15 U.S.C. 1681c ( a ) The FCRA mandates the removal of most negative information after 7 years. The XXXX XXXX account with an Open Date of XX/XX/XXXX, and last activity in XXXX, is nearing the XXXX obsolescence period. Its reporting is on the verge of being unlawful and its continued reporting provides no legitimate value to creditors. 

XXXX. Unverifiable & XXXX Accounts Violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Numerous accounts, including collections from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX, list No History is Available for payment history. How can an account be verified as accurate and mine if there is no associated payment data? Furthermore, accounts like XXXX XXXX list a " Last Activity '' date that is after the " Date Opened, '' which is logically impossible and proves the data is erroneous. 

XXXX. Accounts XXXX XXXX Indicators The combination of incorrect addresses I have never lived at and accounts with missing or conflicting data leads me to believe I may be a victim of identity confusion or fraud. These items must be investigated with the heightened scrutiny this suspicion warrants.

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