Consumer complaint received 2025-09-01 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: MI

Complaint narrative:
I am submitting this complaint to the CFPB to address multiple inaccuracies, fraudulent entries, and misreported accounts on my credit report. These errors are severely impacting my creditworthiness, ability to obtain financial products, and overall financial reputation. Despite my efforts to resolve these disputes directly with the credit bureaus and creditors, the inaccuracies persist. I am requesting the CFPBs oversight and intervention to ensure full compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and to hold all relevant parties accountable for reporting accurate information. 

Addresses : XXXXXXXX XXXX XXXX, MI XXXX Law : FCRA 1681e ( b ) Issue : Wrong address reported.

Story : I have no connection to this property. Its reporting falsely inflates my address history and misrepresents my identity. This can influence credit decisions and violate FCRA 1681e ( b ). I demand removal. 

Accounts : XXXX XXXX * * * * * * * * XXXX Opened XX/XX/XXXX {$390.00} * * Law : FCRA 1681i ( a ) requires reinvestigation of disputed accounts and deletion if unverifiable.

Issue : Reported charge-off is inaccurate.

Story : I have never opened this account. Its reporting misrepresents my financial behavior, lowers my credit score, and can prevent me from accessing credit. The bureau must delete unverifiable accounts per FCRA 1681i. 

MI XXXX XXXX XXXX * * * * * * * * Chargeoff Opened XX/XX/XXXX {$390.00} * * Law : FCRA 1681i ( a ) Issue : Inaccurate charge-off.

Story : This account has not been verified with supporting documentation. Its presence misleads lenders and can cause denial of credit or higher interest rates. FCRA 1681i mandates removal if unverifiable. 

XXXX XXXX XXXX XXXX Chargeoff Opened XX/XX/XXXX {$0.00} * * Law : FCRA 1681i ( a ) Issue : False charge-off.

Story : Reporting this zero-balance account as a charge-off is inaccurate and harms my credit profile. FCRA 1681i requires deletion until verified. 

XXXX XXXX * * * * * * * Late Payment Opened XX/XX/XXXX {$1800.00} * * Law : FCRA 1681i ( a ) Issue : Incorrect late payment.

Story : This payment was made on time. Reporting it as late misrepresents my payment history, damages my credit, and violates FCRA 1681i. Removal or correction is required. 

XXXX XXXX * * * * * * * Late Payment Opened XX/XX/XXXX {$2100.00} * * Law : FCRA 1681i ( a ) Issue : Inaccurate late payment.

Story : The late payment reported is false. Its inclusion can mislead lenders and affect my ability to obtain loans. FCRA 1681i requires deletion if unverifiable. 

XXXX XXXX * * * * * * * Late Payment Opened XX/XX/XXXX {$2000.00} * * Law : FCRA 1681i ( a ) Issue : Unverified late payment.

Story : This item is inaccurate and harms my credit profile. Reporting without verification violates FCRA 1681i. Reinvestigation and deletion are required. 

XXXX XXXX * * * * * * * Late Payment Opened XX/XX/XXXX {$3500.00} * * Law : FCRA 1681i ( a ) Issue : False late payment.

Story : This reported late payment misrepresents my financial responsibility. FCRA 1681i mandates deletion if unverifiable. 

XXXX XXXX * * * * * * * Late Payment Opened XX/XX/XXXX {$1700.00} * * Law : FCRA XXXX ( a ) Issue : Inaccurate late payment. 
Story : XXXX this incorrectly harms my credit and violates FCRA 1681i. Removal is required. 

XXXX XXXX XXXX A XXXX * Collection Opened XX/XX/XXXX {$950.00} * * Law : FCRA 1681i ( a ) Issue : Erroneous collection account.

Story : This collection is not mine. Reporting it misleads lenders and impacts my credit score. FCRA 1681i mandates deletion if unverifiable. 

XXXX XXXX XXXX XXXX Collection Opened XX/XX/XXXX {$1000.00} * * Law : FCRA 1681i ( a ) Issue : Incorrect collection reporting.

Story : This account is falsely attributed to me. Its presence misrepresents my creditworthiness. Removal is required. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * * * * * * * Collection Opened XX/XX/XXXX {$650.00} * * Law : FCRA XXXX ( a ) Issue : Inaccurate collection account. 
XXXX : This account is reported without verification, harming my credit profile. FCRA XXXX mandates reinvestigation and removal if unverifiable. 

Inquiries : XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 1681b ( f ) requires consumer consent for inquiries.

Issue : Unauthorized inquiry.

Story : I did not authorize this inquiry. Its reporting misleads lenders and may affect loan approvals. FCRA 1681b ( f ) requires deletion. 

XXXX XXXX XX/XX/XXXX Law : FCRA 1681b ( f ) Issue : Unauthorized inquiry.

Story : This inquiry was not authorized. It negatively impacts my credit profile and violates FCRA. Immediate removal is required. 

I am requesting that the CFPB take immediate action to address these inaccuracies. All inaccurate addresses and account entries should be fully reinvestigated and corrected or removed in accordance with the FCRA. I also request the CFPB to provide confirmation of actions taken and updated credit report copies reflecting the corrected information. My intent is to ensure fair, accurate, and legally compliant credit reporting, and I trust the CFPB will enforce these rights on my behalf.

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