Consumer complaint received 2025-08-13 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: PA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding multiple accounts inaccurately reported on my credit file. The items listed below are reporting in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These accounts contain late payment notations, charge-offs, and collection statuses that are either inaccurate, unverifiable, or outdated. 
XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX Wrong Address Issue : I have never lived at or used this address, nor have I had any mailing, residential, or financial connection to it. Reporting this address is a violation of FCRA 15 U.S.C 1681c and 1681e ( b ).

Law : FCRA 15 U.S.C 1681c ( a ) ( 4 ) Credit reporting agencies are prohibited from keeping inaccurate or unverified addresses in a consumer report.

Story : The inclusion of this address on my credit file has caused serious confusion and could result in my credit data being mixed with another consumers file. This puts me at risk of being associated with accounts or public records that are not mine. Such errors have already led to credit denials and increased interest rates due to perceived instability in my residency history. I have the right to have only verified, accurate addresses listed on my credit report, and I demand immediate deletion of this erroneous record. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX Wrong Address Issue : This address does not belong to me and I have never resided there. 
Law : FCRA 1681e ( b ) Credit bureaus must maintain maximum possible accuracy.

Story : The reporting of this address is misleading and damages my credibility with lenders, employers, and insurers. This inaccuracy suggests that my credit history may be shared or confused with another persons, which can lead to wrongful denials of housing, employment, or credit. I have never had any lease, utility bill, drivers license, or other documentation tied to this location, and I demand its immediate removal. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Issue : The charge-off was reported despite an active payment arrangement that should have prevented such a status. 
Law : FCRA and FDCPA 807 ( 8 ) Misrepresentation of the character, amount, or legal status of a debt is prohibited. 
Story : Reporting a charge-off while a repayment plan is in place is deceptive and harmful. It unfairly suggests that I abandoned my financial responsibility, when in reality I was actively resolving the debt. This misrepresentation damages my reputation with creditors and creates unnecessary financial barriers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : The charge-off is unverified, and no proof of debt or payment history has been provided. 
Law : FCRA 611 ( a ) ( 1 ) Inaccurate information must be deleted unless it can be verified. 
Story : Without documentation, this account should not appear on my credit report. The presence of unverifiable negative information undermines the accuracy of my report and violates my rights as a consumer. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection Issue : No validation documentation has been provided. 
Law : FDCPA 809 Debt collectors must provide verification of the debt. 
Story : I have sent written requests for validation, but none have been honored. Without proof, this collection is unsubstantiated and illegal to report. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX Issue : This collection account is not mine. 
Law : FDCPA 807 ( 2 ) ( A ) It is unlawful to claim a debt that is not owed. 
Story : I have never had an account with the original creditor, which strongly suggests identity theft or a mixed file error. Keeping this account on my report could lead to financial damage and unwarranted collection harassment. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX Collection XXXX XXXX Issue : This is a false utility bill under my name. 
Law : FCRA 605 Obsolete or irrelevant debts can not remain on a report. 
Story : I have never received services from the original creditor, which makes this entry a serious breach of accuracy standards. 
XXXX XXXX XXXX * XXXXXXXX XXXX XXXX  Issue : No verification provided. 
Law : FCRA 611 All disputed information must be verified or deleted.

Story : The creditor has failed to respond to multiple verification requests, meaning this negative entry is unsubstantiated and must be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Account not mine. 
Law : FDCPA 807 ( 8 ) Prohibits false credit reporting.

Story : This appears to be a clear case of mistaken identity or file merging. I should not suffer damage to my credit for an account that does not belong to me. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Issue : Balance is XXXX but still reported as a charge-off. 
Law : FCRA 1681e ( b ) Reports must be maximally accurate. 
Story : Reporting a charge-off after a balance is paid is misleading and punitive. This error sends the wrong message to lenders and should be corrected immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Unverified and inaccurate. 
Law : FCRA 623 Information must be accurate and verifiable. 
Story : Keeping unverified derogatory information on my file is damaging and violates my rights. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Issue : False reporting after account closure. 
Law : FDCPA 807 Misleading credit information is prohibited.

Story : This entry creates the false impression that I defaulted after account closure, which is impossible and deceptive.

U.S. Bankruptcy Court / XXXX XXXX XXXX  PA XXXX Bankruptcy Issue : I have never filed for bankruptcy. 
Law : FCRA 605 Prohibits reporting of inaccurate public records.

Story : This is a serious misreporting that can destroy my financial standing, leading to automatic denials for credit, housing, and employment. 
Summary of Damages & Request for Action The above accounts contain serious reporting errors that are misleading, unverifiable, and in direct violation of federal consumer protection laws. These inaccuracies have resulted in credit denials, higher interest rates, and reputational harm. I am requesting that the CFPB investigate these violations and compel the furnishers and credit bureaus to : 1. Conduct a proper reinvestigation as mandated by FCRA 1681i ( a ).

2. Remove any information that can not be verified with documented evidence. 
3. Correct all misleading account statuses that misrepresent my payment history or current obligations. 
I am providing this complaint to ensure that my rights under the FCRA and FDCPA are upheld and that all inaccurate, incomplete, and unverified information is permanently removed from my credit reports.

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