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. 

Address : XXXX XXXX XXXX XXXX XXXX, MI XXXX Law Issue : Incorrect addresses may mislead creditors ; FCRA 1681i requires timely correction. 
Story : I have never lived at this location, and its presence on my credit file is factually incorrect. Retaining this wrong address can raise unnecessary questions when applying for credit, potentially causing delays or denials. I request immediate deletion. 

Address : XXXX XXXX XXXX XXXX XXXX, MI XXXX Law Issue : FCRA 1681i obligates credit bureaus to investigate disputes for accuracy and completeness. 
XXXX : This address has no association with me. Its listing is inaccurate and can negatively influence lenders perception of my credit reliability. Deleting this incorrect address ensures my credit file is truthful and reliable. 

Account : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$4100.00} XXXX XXXX Issue : Late Payment Law Issue : FCRA 1681i requires creditors to provide accurate payment history. Reporting a late payment inaccurately violates my rights. 
Story : I have documentation proving all payments were made on time. The reported late payment is inaccurate, damaging my credit score, affecting my ability to secure loans, and causing financial stress. Please correct or delete this entry immediately. 

Inquiry : XXXX XXXXXX/XX/XXXX Law Issue : FCRA 604 ( a ) requires that inquiries have permissible purpose. Unauthorized inquiries violate my rights.

Story : I did not authorize this inquiry. It negatively impacts my credit score and represents an invasion of my consumer rights. I request deletion of this unauthorized 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 non-monetary relief