Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) reflected on my credit report, which are severely impacting my financial and personal well-being. I request an immediate investigation and correction of the following errors. 
Wrong Addresses Reported : XXXX XXXX XXXX XXXXXXXX, FL XXXX This address has never been associated with me. I have never rented, owned, or conducted any transactions at this location. The false reporting of this address has caused me to receive letters and calls for debts I do not owe, creating significant stress and XXXX. Lenders have misidentified my residence, delaying approvals for loans and credit cards. The erroneous reporting has also exposed me to potential identity theft, requiring me to spend considerable time monitoring my accounts and verifying my identity. This reporting violates FCRA Section 609 ( a ) ( 1 ) and 611 ( a ), which mandates accurate information and timely correction of inaccuracies. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX I have no connection whatsoever to this property. It has been falsely linked to my credit file, resulting in collection threats for debts I never incurred. This misinformation has caused multiple hard inquiries from lenders attempting to verify my identity, which negatively impacted my credit score. The presence of this address has created unnecessary emotional distress and financial uncertainty. This is a clear violation of FCRA accuracy requirements and the FDCPA provisions prohibiting harassment through false reporting. 
Account Issues : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} This account is incorrectly reported as a late payment. All payments were made on time, and I have complete documentation proving timely payments. The false late payment has negatively impacted my credit score, delayed mortgage and personal loan approvals, and misrepresented my financial responsibility to lenders. The misreporting has caused significant emotional distress and unnecessary collection inquiries, violating FCRA Section 611 and 623 ( a ) ( 1 ). 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} This account is incorrectly reported as having a late payment. All obligations were met in full and on time. The misreporting has delayed approvals for credit cards and loans, caused unnecessary hard inquiries, and created ongoing stress due to potential misidentification of my financial reliability. This violates FCRAs accuracy requirements and undermines my right to a fair credit assessment. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1300.00} The reported late payment is entirely inaccurate. I have consistent evidence of on-time payments. The misreporting has caused lenders to perceive me as a high-risk borrower, impacting my ability to access credit, obtain favorable interest rates, and manage my financial planning. This has resulted in significant emotional and financial harm, including XXXX  and disruption to my daily life. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$13000.00} This account is falsely reported as a charge off. I have fully complied with all payment schedules. The false charge off has severely harmed my credit profile, making it difficult to obtain loans, secure housing, and access financial services. It has caused repeated stress, inquiries from debt collectors, and the need for extensive time and effort to dispute the claim. This is a violation under FCRA Section 611 ( a ) and exposes me to potential economic and emotional damages. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Falsely reported as a collection. I have never had any obligation on this account. The incorrect reporting has led to harassing phone calls, misdirected letters, repeated inquiries on my credit report, and unnecessary emotional stress. This violation of my rights under FCRA Sections 609 and 611 and FDCPA protections has created a significant burden. 
XXXX XXXXXX/XX/XXXX Hard inquiry inaccurately reported. I did not authorize this inquiry, yet it appears on my credit report, negatively affecting my creditworthiness and creating undue financial and emotional burden. 
XXXX XXXX XX/XX/XXXX Reported hard inquiry without authorization. This inaccurate entry has affected my ability to access credit, caused repeated questions from lenders, and resulted in emotional stress and wasted time. 
XXXX XX/XX/XXXX Unauthorized inquiry listed. This false reporting misrepresents my credit activity, negatively affects my credit profile, and has caused financial and emotional distress while I attempt to correct the record. 
These errors collectively demonstrate a pattern of negligence and noncompliance with federal credit reporting laws. The cumulative impact has caused financial hardship, repeated delays in credit access, emotional stress, wasted time, and exposure to identity theft. I demand immediate investigation, correction, or deletion of all inaccurate information, along with a written confirmation and an updated credit report reflecting these corrections. 
Supporting Laws : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681-1681x Sections 604, 609, 611, 623 Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692-1692p protects against false or misleading reporting I am exercising my rights under the FCRA to dispute inaccurate and misleading information and demand immediate corrective action. Failure to act on this complaint constitutes willful noncompliance with federal law, exposes the reporting agencies to liability, and continues to cause undue financial and emotional harm.

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