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: GA

Complaint narrative:
To Whom It May Concern I am writing to file a formal complaint against the inaccurate, misleading, and unauthorized information being reported on my credit report by various furnishers and credit reporting agencies. Despite multiple attempts to dispute and correct these errors, they persist, causing me significant financial harm, emotional distress, and obstructing my access to fair credit.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to accurate reporting, proper validation of debts, and protection from unauthorized credit inquiries. Below I outline the specific items in dispute, the related violations, and my demands for immediate correction : XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX Wrong Address The reporting of this incorrect address in my credit report is a direct violation of the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which mandates credit reporting agencies to maintain strict procedures to ensure maximum possible accuracy of all information reported, including personal identifying information such as addresses. An inaccurate address can cause severe consequences including misrouting of correspondence, identity confusion, and denial of credit due to mismatched information. This false data suggests negligence by the credit bureau in verifying my identity properly and maintaining accurate records. It may also increase my risk of identity theft if someone else is mistakenly linked to my credit file. I have never resided at this location and demand immediate correction to prevent further damage to my credit profile and personal security. 
XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$26000.00} XXXX XXXX  Late Payments Santanders reporting of late payments on my account is disputed under FCRA Section 623 ( a ) ( 1 ) ( B ), which obligates furnishers to provide accurate and complete information. Reporting inaccurate late payments misrepresents my payment behavior, unfairly lowering my credit score and damaging my financial reputation. Such misreporting results in increased borrowing costs and may cause denial of credit opportunities. I have always maintained timely payments or corrected payments that were disputed, and this inaccurate reporting constitutes a material error. This violates my rights and is damaging to my financial health. I demand validation of these entries or immediate deletion of inaccurate late payments. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$610.00} XXXX XXXX Charge Off The charge off status reported is inaccurate and misleading, violating the Fair Debt Collection Practices Act ( FDCPA ) and FCRA. Charge offs indicate severe delinquency and negatively impact credit scores substantially. If this status is incorrect, it must be removed immediately to restore my credit standing. I dispute this entry because it does not reflect my payment history or the true status of the debt. The FCRA requires verification of disputed information, and failure to do so within 30 days mandates deletion. This false charge off results in unjust harm and must be corrected. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$10000.00} XXXX XXXX Charge Off XXXXXXXX XXXX charge off reporting is challenged due to lack of verification. Under FCRA Section 611 ( a ), I have the right to dispute inaccurate information, and furnishers must investigate and verify disputed data. A wrongful charge off signals severe credit delinquency and damages my creditworthiness. Incorrect negative reporting is actionable under FCRA, and failure to correct it can lead to legal consequences for the creditor and credit bureaus. I insist on an immediate review and removal if the charge off can not be validated. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$10000.00} * * Charge Off XXXXXXXX XXXX charge off status is disputed. According to FCRA, all negative information must be accurate and verifiable. Erroneous charge offs distort my credit history and unjustly reduce my credit score, impacting my ability to secure loans or favorable interest rates. This inaccurate reporting breaches my consumer rights and must be removed promptly to avoid ongoing harm. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$3200.00XXXX XXXX XXXX Charge Off XXXX XXXX XXXXXXXX has listed a charge off status that is inaccurate or unverified. FCRA and FDCPA require accurate reporting and prompt investigation of disputes. Such errors can mislead lenders, resulting in rejection of credit or increased costs. This false charge off harms my credit reputation and must be corrected immediately or removed. 
XXXX # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} * * Charge Off XXXX XXXXXXXX XXXX charge off entry is disputed for accuracy under FCRA. Inaccurate negative reporting such as this violates my rights and damages my credit profile. I demand verification of this charge off or its removal if unverifiable to restore the accuracy of my credit report. 
XXXX - XX/XX/XXXX Inquiry This inquiry is unauthorized and lacks my consent as required under FCRA Section 604. Unauthorized inquiries constitute a violation of my privacy rights and can negatively affect my credit score. The presence of this inquiry without my permission may indicate identity theft or improper credit reporting practices. I demand immediate removal of this inquiry to prevent unwarranted credit harm. 
XXXX XXXX - XX/XX/XXXX Inquiry This XXXX XXXXXXXX inquiry was made without my explicit authorization, violating FCRA regulations. Unauthorized credit inquiries not only reduce credit scores but also constitute an invasion of my privacy. Removal is demanded unless proper consent or permissible purpose is demonstrated. 
XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX inquiry is disputed due to absence of authorization. The FCRA protects consumers from unauthorized access to their credit information. This inquiry must be investigated and removed if no permissible purpose exists, ensuring my credit record remains fair. 
Demands I demand an immediate and thorough reinvestigation of all above-listed addresses, accounts, and inquiries. If the information can not be fully verified and validated as accurate, I require its permanent removal from my credit report. Failure to comply within the 30-day period will force me to pursue further legal remedies and escalate this complaint. 
Please provide me with written confirmation of your findings and actions taken in response to this complaint.

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