Consumer complaint received 2025-07-30 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: OH

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ), I am filing this complaint due to multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) that are currently harming my financial stability, creditworthiness, and mental well-being. I have discovered several inaccuracies and unauthorized activities on my credit reports being reported by various creditors, collectors, and credit bureaus. These include wrong addresses, inaccurately reported delinquent accounts, charge-offs, collections, and unauthorized hard inquiries that I did not initiate. 
Wrong Addresses XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Wrong Address Issue : I have never resided at this address, and I have no known connection to it. Its presence on my credit report is entirely inaccurate. 
Law Violated : FCRA Section 604 ( a ) ( 3 ) Credit data can only be collected and used with a permissible purpose. FCRA Section 607 ( b ) Requires furnishers to ensure maximum possible accuracy. 
Story : This incorrect address can cause identity confusion, mixed files, or even be a result of identity theft. It is unacceptable for outdated or unverified addresses to be associated with my profile. This has delayed important verifications for rental applications and caused severe emotional stress. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Wrong Address Issue : This address is not connected to me in any way. I never lived here, worked here, or used this address in any application. 
Law Violated : FCRA Section 605 ( b ) Outdated, obsolete, and incorrect data must be excluded from consumer reports. 
Story : Inclusion of unrelated addresses impacts my creditworthiness and opens doors to fraud or identity misuse. Having such erroneous data undermines the credibility of my credit report. 
Accounts with Issues XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Late Payment * * Issue : The account shows late payments despite a {$0.00} balance and being closed. I was never informed of being past due. 
Law Violated : FCRA Section 623 ( a ) ( 5 ) Furnishers must provide accurate and complete information. FDCPA Section 807 Prohibits false representation.

Story : This misleading report has damaged my credit score. I maintained communication and paid off the balance. The late payment status is unjustified and severely impacted loan applications. 
XXXX  XXXX * * Opened : XX/XX/XXXX Late Payment ( reported twice ) * * Issue : This account appears twice, both showing late payments, even though its closed and has a {$0.00} balance.

Law Violated : FCRA Section 605 ( a ) No outdated or duplicative data after 7 years.

Story : This double reporting falsely inflates my delinquencies and misrepresents my creditworthiness. I completed all requirements and was told the account was resolved. 
XXXX XXXX * * Opened : XX/XX/XXXX Charge Off * * Issue : The account was charged off without prior notice or proper billing breakdown. I was denied a fair opportunity to resolve it.

Law Violated : FCRA Section 611 ( a ) Furnishers must provide verification of the debt upon dispute. ECOA Requires proper notification of adverse action.

Story : This charge-off hurt my credit tremendously. I contacted XXXX multiple times to negotiate, but they reported a charge-off without transparency. This was unfair and damaging. 
Conclusion & Request : I am requesting that the CFPB launch an immediate investigation into these violations. I also request that the credit bureaus ( XXXX XXXX, TransUnion ) be instructed to delete or correct the above errors. These inaccuracies are serious, and despite efforts to dispute them directly, no adequate resolution has been made. I am attaching my ID and proof of address to support my identity. 
These errors are severely damaging my ability to secure housing, employment, and essential credit. I respectfully request your help in restoring my consumer rights under FCRA and FDCPA.

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