Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX I am submitting this formal complaint regarding multiple inaccurate, incomplete, and unverifiable items being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ). Despite my repeated attempts to dispute and resolve these inaccuracies, they continue to be reported by furnishers and credit bureaus without proper investigation or validation. These inaccuracies have severely damaged my credit score, limited my access to financial products, and caused me emotional and financial distress. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Issue : This is not my address and I have never resided at this location Law : Reporting inaccurate personal information violates 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to assure maximum possible accuracy Story : This address has been incorrectly associated with my credit profile, potentially due to file mixing or identity confusion, and it is harming my personal identification record with lenders and financial institutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : I have no connection with this address ; it is completely unfamiliar to me Law : Under 15 U.S. Code 1681i ( a ), credit bureaus must reinvestigate disputed information when a consumer notifies them of inaccuracy Story : The presence of this XXXX XXXX address on my file is misleading and results in incorrect background checks and risk assessments XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Issue : This address is false and not linked to my identity Law : This violates the XXXX accuracy provision under 1681e ( b ), and continued reporting without verification also violates 1681i Story : I have repeatedly requested correction but the address still appears, disrupting my credit applications and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Issue : Account reported as charge-off but no proper validation or original documentation has been provided Law : 15 U.S. Code 1692g ( b ) requires debt validation under FDCPA, and FCRA 1681s-2 prohibits reporting unverifiable data Story : This account has been unjustly charged off without sending me proper billing notices or allowing a reasonable dispute timeline XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : This charge-off status is being reported inaccurately, and I was not provided due process or validation Law : Under FDCPA 809 ( b ) and FCRA 1681i, the information must be verified and corrected if inaccurate Story : I was in active communication regarding hardship assistance, yet the account was charged off without acknowledgment of my efforts XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue XXXX This is a collection account being reported without a proper chain of title or validation Law : FCRA 1681b requires a permissible purpose for reporting, and FDCPA 809 ( b ) demands debt validation Story : The collection agency has not provided any proof that they own or have authority over this debt, and still continue damaging my profile XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : This collection is being reported multiple times, causing duplicate derogatory marks and inflating my debt profile Law : FCRA 1681e ( b ) mandates accuracy and non-duplication of data, and 1692g requires itemized validation Story : I never received any validation of this debt from either XXXX  or the original creditor and it is severely affecting my credit utilization and score XXXX  XXXX  ( Original Creditor XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Issue : This collection entry appears without any supporting documentation or notice Law : FDCPA 809 ( b ) requires verification before reporting, and continued reporting without proof is a violation of FCRA 1681s-2 Story : I have requested details on this debt multiple times and was never provided any documents or billing statements to substantiate the amount claimed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Reported as a charge-off despite my attempts to resolve the account through hardship or settlement Law : FCRA 1681i and FDCPA 809 ( b ) mandate proper investigation and consumer rights to dispute and resolve debts Story : I was laid off during the pandemic and made several efforts to enroll in hardship plans. Despite that, the bank chose to charge off my account without proper review or accommodation I respectfully request the Consumer Financial Protection Bureau to investigate these matters and hold the reporting agencies and furnishers accountable for failing to meet their legal obligations under FCRA and FDCPA. I am requesting the immediate deletion or correction of all the inaccurate addresses and derogatory accounts mentioned above. I also request that any furnisher who fails to validate the disputed information be prohibited from reporting the data further. 
I am prepared to provide identification documents, address proof, prior disputes, and any other supporting evidence required.

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