Consumer complaint received 2025-12-10 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:
This is my official complaint to the Consumer Financial Protection Bureau regarding multiple violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the FTC XXXX committed by the credit bureaus and the data furnishers who are reporting false, inaccurate, unverifiable, and fraudulent information about me. My credit report contains wrong addresses, accounts that do not belong to me, false late payment history, unauthorized hard inquiries, and unvalidated collection and charge-off accounts which are causing me financial harm, emotional distress, credit denial, and damage to my reputation. I am requesting immediate federal review, investigation, and enforcement action against the bureaus and furnishers listed below. 
XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX WRONG ADDRESS This address has never belonged to me in any capacity. I never lived here, never used it, never received mail, never signed any lease, and never provided it to any creditor. There is XXXX documentation that ties me to this location and any reporting of it is completely inaccurate and misleading. 
XXXX XXXX XXXX, NC XXXX WRONG ADDRESS This address is entirely unrelated to me, and I have no connection to North Carolina. No apartment, no home, no bill, no contract, no employer record, or any form of documentation exists linking me to this place. Its presence on my report is a major red flag and a sign of inaccurate data being mixed into my file. 
XXXX XXXX XXXX High Balance : {$10000.00} Date Opened : XX/XX/XXXX Reported : Late Payment I never made any late payment on this account and the reported delinquency is false and damaging. I always paid on time and have never been notified of any late status. This incorrect reporting is lowering my score unfairly and violating FCRA 607 ( b ) for failure to report accurate information. 

XXXX XXXX XXXXXXXX High Balance : {$33000.00} Date Opened : XX/XX/XXXX Reported : Charge Off I do NOT recognize this account. I have no contract, no application, no signature, no loan documents, and no personal knowledge of this account. If the furnisher can not provide full validation including original signed application, they must delete the account immediately as required by FCRA 609 ( a ) and 611. 
XXXX XXXX XXXX High Balance : {$23000.00} Date Opened : XX/XX/XXXX Reported : Charge Off I have XXXX connection to this account. I never applied for any credit with this company and never received any communication from them. This appears to be a case of mixed files or fraudulent reporting. Without valid proof, the item must be removed. 
XXXX XXXX High Balance : {$6100.00} Date Opened : XX/XX/XXXX Reported : Collection I do not owe this debt. I never opened an account of this type, never received a bill, and was never legally notified. This appears to be fraudulent reporting or identity mixing. If your bureau can not obtain the XXXX signed contract from the furnisher, you are XXXX to delete this item. 
XXXX XXXX XXXX XX/XX/XXXX This inquiry was done without my consent, without my application, and without any legitimate reason. It must be removed immediately. 
REQUEST TO CFPB : I am requesting the Consumer Financial Protection Bureau to investigate these violations, compel all data furnishers to provide original documentation, require the credit bureaus to correct and delete all unverifiable and inaccurate items, and hold all parties accountable for failing to follow federal law. I am also requesting that CFPB require the bureaus to provide me with a corrected and updated copy of my credit report after compliance with FCRA 611. 
These violations are severely affecting my financial opportunities, loan approvals, housing applications, and personal stability. I request immediate intervention and enforcement.

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