Consumer complaint received 2025-08-08 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: NV

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ), I am submitting this formal complaint because the credit bureaus are reporting false, unauthorized, and unverified information on my credit reports. Despite my attempts to dispute these matters directly with the bureaus, they have failed to correct or remove these violations. I am requesting immediate enforcement and action from the CFPB to hold the furnishers and the credit reporting agencies accountable for these ongoing violations of federal law. 
ADDRESS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Law : FCRA 602 ( a ), 611 ( a ), 607 ( b ), 609 ( c ) ( 2 ) ( E ) Issue : This address is inaccurate and does not belong to me Story : I am formally disputing this address because I have never lived at or been associated with it. Reporting inaccurate personal information is a violation of FCRA, and this false address negatively impacts my credit profile and misrepresents my identity ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00} Late Payments * * Law : FCRA 602 ( a ), 611 ( a ), 607 ( b ), 609 ( a ) ( 1 ) Issue : Inaccurate reporting of late payments Story : I dispute the late payments reported on this account as they are not accurate or verifiable. The creditor has failed to validate this information, and continuing to report unverifiable data violates the Fair Credit Reporting Act ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$7700.00} Collection * * Law : FCRA 602 ( a ), 607 ( b ), 611 ( a ), FDCPA 807 ( 8 ) Issue : This collection account is inaccurate and not validated Story : I have no knowledge of this debt. The account was never validated, and it may be the result of identity theft or clerical error. Reporting this violates my consumer rights and I am requesting full deletion ACCOUNT XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} Collection * * Law : FCRA 607 ( b ), 611 ( a ), FDCPA 809 ( b ) Issue : Invalid and unverified collection Story : This debt is not mine, and I have not received any documentation to confirm its validity. Continued reporting of unverifiable debt is unlawful and must be removed from my report immediately ACCOUNT XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} Collection * * Law : FCRA 611 ( a ), FDCPA 809 ( a ), 15 USC 1681i Issue : Collection listed without proper verification Story : I demand validation of this debt. No original contract or itemized statement has been presented to confirm this debt. Failure to validate and correct this information is a breach of my rights ACCOUNT XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Collection * * Law : FCRA 611 ( a ), FDCPA 809 ( b ), 807 ( 8 ) Issue : Inaccurate and outdated collection account Story : This collection is unverified and may stem from a billing error or misreported debt. I never received a validation notice or debt details. This listing is damaging and must be deleted ACCOUNT XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Collection * * Law : FCRA 607 ( b ), 611 ( a ), 609 ( a ) ( 1 ) Issue : Reporting unverifiable and obsolete collection Story : I do not recognize this debt and have received no legal validation. This is likely due to a record-keeping error. Please delete this item promptly ACCOUNT XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Collection * * Law : FCRA 611 ( a ), FDCPA 809 ( b ), 15 USC 1681i Issue : Debt is unverified and possibly duplicated Story : This account appears to be duplicated or misreported. It does not reflect any verified obligation. I am requesting a reinvestigation and immediate deletion ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$11000.00} Charge Off * * Law : FCRA 602 ( a ), 611 ( a ), 609 ( a ) ( 1 ), 607 ( b ) Issue : Charge-off listed inaccurately and without full investigation Story : I never received proper notice or validation for this charge-off. No original documentation has been provided to support this status. Please delete immediately as it is damaging and unverifiable ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$2600.00} Charge Off * * Law : FCRA 611 ( a ), 609 ( a ), FDCPA 809 ( a ) Issue : Duplicate charge-off or inaccurately listed Story : This appears to be a duplicate listing or error. There is no supporting documentation or legal validation of this account. Delete this entry immediately ACCOUNT XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Collection * * Law : FCRA 607 ( b ), FDCPA 807 ( 8 ), 15 USC 1681i Issue : Recently listed, not validated, may be identity fraud Story : I have no knowledge of this account and never received a debt validation notice. This may be fraudulent or inaccurately attributed to me. I request deletion under FCRA INQUIRY XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ), 604 ( c ) ( 1 ), 609 ( a ) ( 1 ) Issue : Unauthorized inquiry without permissible purpose Story : I did not authorize this hard inquiry and no credit transaction was initiated by me. This violates my privacy rights under FCRA. Remove this inquiry immediately INQUIRY XXXXXXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ), 607 ( a ), 609 ( a ) ( 1 ) Issue : Hard inquiry conducted without my consent Story : This inquiry was made without my knowledge or initiation. No permissible purpose was granted, and this is a violation of my rights. Delete immediately INQUIRY XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ), 611 ( a ), 607 ( b ) Issue : Inaccurate hard inquiry not authorized by consumer Story : This unauthorized hard pull was done without any application or agreement on my part. This is a direct violation of the FCRA and must be removed I am demanding immediate investigation and enforcement by the CFPB to ensure all listed addresses, unauthorized inquiries, and unverified accounts are removed from all credit bureau reports. These issues are damaging my credit score, affecting my financial opportunities, and violating my consumer rights. The credit bureaus and data furnishers have failed to comply with the Fair Credit Reporting Act, and I rely on the CFPB to ensure these violations are addressed with urgency and consequence. I request full correction, deletion, and written confirmation of all resolved matters from the CFPB and all involved parties.

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