Consumer complaint received 2025-10-01 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: CA

Complaint narrative:
I am filing this complaint to dispute multiple inaccurate and unauthorized items on my credit report These items are negatively impacting my credit score and financial reputation I am protected under the Fair Credit Reporting Act 15 U.S.C 1681 et seq and the Fair Debt Collection Practices Act 15 U.S.C 1692 et seq I request immediate investigation, correction, and removal of all inaccuracies XXXX XXXX, XXXX XXXX, XXXX  XXXX Wrong Address I have no knowledge of this address being associated with me. It is incorrectly reported on my credit file and may have resulted in inaccurate credit information being attributed to me. Under the Fair Credit Reporting Act ( FCRA ) Section 609 and 611, I request immediate investigation and deletion of this inaccurate address from my credit report. This erroneous address could mislead creditors, cause denial of credit, or otherwise negatively impact my creditworthiness. I have never lived at this location, and any reporting here is clearly in error. 
XXXX XXXX XXXX, XXXX, XXXX  XXXX Wrong Address This address is not and has never been my residence. Its presence on my credit report violates FCRA guidelines on accurate reporting. I request that this address be removed immediately. The continued reporting of this false address could contribute to identity confusion, potential fraud, and incorrect credit reporting, all of which are serious harms under the law. 
XXXX XXXX Late Payment, High Balance {$470.00}, Date Opened XX/XX/XXXX I dispute the reported late payment. I have always paid on time, and this reporting is inaccurate. Under FCRA Section 611, I request correction of the payment history to accurately reflect timely payments. Reporting a false late payment has damaged my credit reputation and could result in unfair denials of financial opportunities. Documentation and payment history clearly support that no late payments occurred. 
XXXX XXXX XXXX Charge Off, High Balance {$2500.00}, Date Opened XX/XX/XXXX I have no knowledge of this account and dispute its validity. I request deletion of this charge-off under FCRA Section 609 and 611, as reporting an account I do not recognize constitutes inaccurate information. Such erroneous reporting can cause serious credit harm and financial consequences, and it is essential that this item be removed immediately. 
XXXX XXXX XX/XX/XXXX Inquiry I never authorized this inquiry. It is being reported incorrectly and must be removed according to federal law. 
These inaccurate entries are causing severe harm to my creditworthiness, ability to secure loans, and financial standing I request that the responsible credit bureaus and furnishers fully investigate each item and provide written confirmation of results, corrections, and deletions Failure to comply may result in legal action for damages, attorney fees, and all remedies available under federal and state law

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