Consumer complaint received 2025-11-20 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: NJ

Complaint narrative:
I am submitting this formal complaint regarding several inaccurate, unverified, and misleading items appearing on my credit file. These errors violate the Fair Credit Reporting Act ( FCRA ), including but not limited to 602 ( A ), 607 ( B ), 611, and 609. I am requesting a thorough investigation and enforcement action to ensure these violations are corrected immediately. 

XXXX. Wrong / Inaccurate Address Reporting My credit report lists an address that does not belong to me, and I have no association with it : XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address This incorrect address is a violation of FCRA 607 ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy. This wrong address exposes me to potential fraud risks and contributes to further reporting errors. 

I request immediate removal of this incorrect address from all my credit files. 

XXXX. Accounts Reported With Inaccurate Late Payments The following accounts are reporting late payments, which are false and inaccurate. 
I have never made a late payment on these accounts, and these reports violate FCRA 607 ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$7600.00} Reported : Late Payment This payment history is incorrect. I request immediate correction. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Credit {$1000.00} Reported : Late Payment This reporting is false. Please correct the payment history. 

XXXX XXXX Opened XX/XX/XXXX High Balance {$54000.00} Reported : Late Payment I dispute the late payment as inaccurate. 

XXXX XXXX XXXX XXXX XX/XX/XXXX High Balance {$23000.00} Reported : Late Payment Never late ; reporting must be corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$45000.00} Reported : Late Payment Incorrect reporting ; request correction. 

Under FCRA 611, I request that all bureaus investigate and correct these inaccurate histories rather than deleting the accounts. 

* * XXXX. Charge-Off Account I Have No Knowledge Of ( Requires Deletion ) The following account is reporting as a charge-off, but I have no knowledge of this account, no contract, and no relationship with the creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$740.00} Charge-Off Under FCRA 609, the furnisher and bureau must provide actual documentation with my signature. 
If no such documentation exists, the account must be deleted immediately. 

XXXX. Unauthorized / Unverified Inquiry The following inquiry was not authorized by me : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry I did not apply for any credit or authorize XXXX Auto to access my credit report. 
Under FCRA 604, this inquiry is unlawful. I request removal from my report.

Requested Action by the CFPB I respectfully request that the CFPB : Force the credit bureaus and data furnishers to provide full verification of each disputed item.

Ensure removal of all unverified, inaccurate, and unauthorized information.

Hold the reporting agencies accountable for failing to maintain the maximum possible accuracy as required by FCRA 607 ( b ). 

Provide me with written confirmation of the results. 

Conclusion These inaccuracies are damaging my creditworthiness and creating unnecessary financial hardship. I have attempted to resolve these issues with the credit bureaus, but they continue to report false and unverifiable information. I now request the CFPBs assistance to enforce compliance with federal law. 

Thank you for your attention. I am prepared to provide any additional documentation if needed.

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