Consumer complaint received 2025-08-25 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: MI

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my consumer report contains multiple inaccurate addresses, accounts, late payments, charge-offs, collections, and unauthorized inquiries. These errors are seriously damaging my creditworthiness, preventing me from obtaining fair financial opportunities, housing, and employment. I have disputed these items with the credit reporting agencies, but they remain on my report in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that the CFPB step in to enforce my rights and ensure that the credit bureaus and furnishers comply with the law. 

ADDRESSES XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Law :

FCRA 607 ( b ) Issue : Wrong address reporting Story : I have never lived at or been connected to this address. It appears to be an address belonging to another individual, yet it is showing in my file which misrepresents my identity and could cause lenders to believe I live in areas I never resided. This creates confusion with creditors and increases the risk of identity theft and mistaken association with accounts I never opened. Instruction : Delete this inaccurate address immediately XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Law : FCRA 607 ( b ) Issue : Wrong address Story : I do not have any history or legal connection with this address. Its presence on my report makes it appear that I move frequently or maintain false residences, which lowers trust with lenders and negatively affects my creditworthiness. It may also connect me to debts or accounts from people who actually lived there, which is extremely unfair.

Instruction : Remove this false address from my file XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Law : FCRA 607 ( b ) Issue : Inaccurate address Story : This address was previously disputed yet remains on my file. I never resided here, never received mail here, nor had any legal or financial link to this property. Having this attached to my profile damages my credibility and makes it look like I can not maintain a consistent address, which unfairly impacts how lenders and employers view me.

Instruction : Delete this address completely ACCOUNTS XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff * * Law : FCRA 609 ( a ) ( 1 ), 623 ( a ) ( 1 ) ( A ) Issue : Contradictory reporting XXXX balance but chargeoff Story : A chargeoff with a XXXX balance is contradictory and damaging. I never received proof that this is a valid account, nor any signed contract linking me to it. Reporting a XXXX balance while still keeping a negative chargeoff notation unfairly lowers my score, misrepresents my payment history, and makes me appear financially irresponsible when there is no debt owed. This damages my ability to secure housing, auto loans, and employment.

Instruction : Delete this account if it can not be validated with original signed documentation XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$6100.00} Chargeoff * * Law : FCRA 611, 609 ( a ) ( 1 ) Issue : Reported without full verification Story : I have never been provided a copy of any signed contract proving this account belongs to me. Reporting it as a chargeoff creates serious financial harm, prevents me from accessing fair credit opportunities, and misleads potential lenders into believing I defaulted when this may not even be my debt. I have asked for verification before, yet none has been provided. Continuing to report without proof is negligent and unlawful.

Instruction : Provide full verification including signed contract or delete this account INQUIRIES XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) Issue : Unauthorized inquiry Story : I never applied for credit with Ally Financial on this date. 
Instruction : Delete immediately XXXX XXXX XX/XX/XXXX Law : FCRA 604 ( a ) Issue : Unauthorized Story : XXXX XXXX accessed my file without consent. 
Instruction : Remove inquiry XXXX XXXX XX/XX/XXXX Law : FCRA 604 ( a ) Issue : No authorization Story : XXXX XXXX XXXX had no permissible purpose. 
Instruction : Delete immediately XXXX  XXXX XX/XX/XXXX Law : FCRA 604 ( a ) Issue : Unauthorized inquiry Story : I did not apply with XXXX  XXXX. 
Instruction : Remove this inquiry XXXX XXXX XX/XX/XXXX Law : FCRA 604 ( a ) Issue : Unauthorized access Story : XXXX XXXX pulled my file without my consent. 
Instruction : Delete immediately XXXX XXXX XXXX XX/XX/XXXX Law : FCRA 604 ( a ) Issue : No authorization Story : I never applied with XXXX XXXX XXXX. 
Instruction : Remove inquiry XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) Issue : Unauthorized Story : Consumers XXXX accessed my report without consent. 
Instruction : Delete immediately XXXX XXXX XX/XX/XXXX Law : FCRA 604 ( a ) Issue : Unauthorized inquiry Story : XXXX XXXX had no permission to pull my file. 
Instruction : Remove this inquiry XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) Issue : No permissible purpose Story : I never authorized XXXX to access my report. 
Instruction : Delete immediately XXXX XX/XX/XXXX Law : FCRA 604 ( a ) Issue : Unauthorized inquiry Story : XXXX XXXX  accessed my file without authorization. 
Instruction : Remove this inquiry XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) Issue : Unauthorized Story : I did not authorize XXXX to pull my credit. 
Instruction : Delete immediately XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) Issue : Unauthorized inquiry Story XXXX XXXX XXXX  had no permissible purpose to access my file.

Instruction : Remove this inquiry XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) Issue : Unauthorized Story : XXXX XXXX accessed my file without consent.

Instruction : Delete immediately XXXX XXXX XXXX XX/XX/XXXX Law : FCRA 604 ( a ) Issue : Unauthorized inquiry Story : XXXX XXXX XXXX p

ulled my credit without my permission. Instruction : Remove this inquiry I am asking the Consumer Financial Protection Bureau ( CFPB ) to investigate these violations and require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. The inaccurate addresses, unverifiable accounts, and unauthorized inquiries must be corrected or deleted immediately. These errors are causing me real financial harm, and I rely on the CFPB to enforce my rights under federal law and hold the responsible parties accountable.

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