Consumer complaint received 2025-08-15 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:
b'Dear CFPB,\nI am submitting this formal complaint under my rights protected by the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seq., regarding multiple inaccurate, incomplete, and unauthorized entries on my credit report that are harming my financial reputation and opportunities. Despite my efforts to resolve these errors directly with the credit reporting agencies, these issues remain uncorrected.\nI request that CFPB investigate the following disputed accounts and inquiries, ensure their immediate verification, or direct their deletion if unverifiable.\nWrong Addresses ReportedXXXX XXXX XXXX XXXX XXXX XXXXssue: Incorrectly reported as a current or past residence.\nLaw: FCRA 1681e(b)  Maximum possible accuracy required.\nStory: This address, while appearing on my report, does not accurately represent my legal residential history during the periods reported. Associating me with this address without proper verification creates a misleading impression of my stability and residence history. Lenders often view inconsistent address histories as a sign of potential fraud, leading to denials or increased interest rates. I have had to explain this false listing multiple times to creditors, which has been both embarrassing and time-consuming, causing undue stress and reputational harm.XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address does not belong to me.\nLaw: FCRA 1681i(a)  Duty to reinvestigate disputed items.\nStory: This address is a complete error. I have never lived, owned property, or received mail there. Keeping it on my report risks linking my credit file to another individuals accounts or debts, creating a mixed file scenario. Such mistakes can lead to collection calls, false debt association, and even identity theft suspicion. Having to defend myself against obligations tied to someone elses address is an unnecessary burden and a clear violation of my right to an accurate credit file.\nIncorrect Account InformationXXXX XXXX XXXX  Opened: XXXX  Balance: XXXXIssue: Inaccurate late payment reporting.\nLaw: FCRA 1681s-2(a)  Prohibition on furnishing false data.\nStory: This late payment entry is unverified and incorrect. I have maintained responsible financial behavior, and the alleged delinquency damages my payment history  one of the most important factors in credit scoring. This negative mark has already contributed to higher loan rates and credit rejections. Without proper documentation proving its accuracy, it must be removed to restore the integrity of my credit profileXXXX XXXX   Opened: XXXX  Balance: XXXXIssue: False late payment entry.\nLaw: FCRA 1681i(a)  Reinvestigation requirement.\nStory: This reported delinquency has never been substantiated with valid records. It unfairly labels me as financially irresponsible, which harms my ability to secure favorable terms on credit products. The ongoing presence of this error also subjects me to additional scrutiny and stress, as I must repeatedly dispute it with potential lendersXXXX XXXX XXXX  Opened: XXXX  Balance: XXXXIssue: Unverified late payment.\nLaw: FCRA 1681e(b) & 1681s-2(b)  Accuracy and correction obligations.\nStory: My payment history is a key indicator for lenders. Reporting an incorrect late payment misrepresents my financial reliability. This falsehood affects not only my score but also my credibility when negotiating credit terms, applying for housing, or undergoing employment background checks.XXXX XXXX XXXX   Opened: XXXX  Balance: XXXXIssue: False late payment reported despite no balance owed.\nLaw: FCRA 1681c(a)  Ban on misleading data.\nStory: Reporting a late payment on a fully paid account is a serious inaccuracy that paints a false picture of my financial behavior. Such misrepresentation can deter potential lenders and harm my long-term financial goals, despite the account being in good standing.XXXX XXXX XXXX  Opened: XXXX  Balance: XXXXIssue: False late payment.\nLaw: FCRA 1681s-2(a)  No furnishing inaccurate data.\nStory: This error creates an unfounded image of me failing to meet obligations. It undermines my hard-earned credibility, which I have built through consistent, timely payments. The harm is not just numeric in my credit score but reputational, affecting how lenders perceive my trustworthinessXXXX XXXX XXXX   Opened: XXXX  Balance: XXXXIssue: Charge-off reported without valid proof.\nLaw: FCRA 1681e(b) & 1681s-2(a)  Duty to ensure accuracy.\nStory: A charge-off is one of the most damaging marks to a credit report, implying severe delinquency or default. Reporting such a serious derogatory mark without evidence is not only negligent but a direct violation of federal law. This false entry has likely prevented me from qualifying for competitive financing and has unfairly stained my creditworthiness.XXXX XXXX   Account Number: XXXX   Date Opened: XXXX   Balance: XXXX  Status: Charge-Off**\nIssue: This account is being reported as a charge-off without any verifiable proof that the debt is valid, accurate, and collectible under applicable law. The reporting is damaging and misleading.\nLaw: Under FCRA  1681i, if the furnisher cannot provide verified documentation proving the accuracy and ownership of this debt, it must be removed. Under FCRA  1681e(b), the bureau must maintain maximum possible accuracy.\nStory: I have never received any valid notice of charge-off with full account documentation, original signed contract, and accurate payment history. Without proper chain-of-title documentation, this entry constitutes a false and harmful representation of my creditworthiness. Continued reporting of unverifiable debt violates my federal rights and creates reputational harm, loss of financial opportunities, and emotional distress. If XXXX XXXX  or your bureau cannot provide certified proof, you are required by law to delete this account immediatelyXXXX XXXX XXXX   Account Number: XXXX  Date Opened: XXXX  Balance: XXXX   Status: Late Payment**\nIssue: This account contains late payment notations that are inaccurate and unverifiable. The reported dates do not align with my records.\nLaw: FCRA  1681c(a)(5) prohibits outdated or incorrect derogatory information. Under  1681i, all disputed late payments must be verified with full payment history from the original creditor.\nStory: I dispute the accuracy of these late payment reports because I have not received any statement reflecting the alleged delinquencies. These negative marks appear to be the result of either clerical error or misreporting. Without concrete documentation proving the exact dates and amounts, reporting this as late is unlawful. Continued inclusion of unverifiable late payments creates financial harm and is in direct violation of federal consumer protection laws.\nUnverified Inquiries\nThe following inquiries were made without my explicit authorization or a permissible purpose under FCRA  1681b. Reporting unauthorized inquiries violates my privacy rights and damages my credit scoreXXXX XXXX XXXXIssue: No permissible purpose or consent was granted for this inquiry.\nLaw: FCRA  1681b(a)(3) strictly limits access to my credit report to situations where there is a legitimate business need.\nStory: I have no prior relationship or application with XXXX XXXX that would justify this inquiry. The appearance of this record is unlawful and must be deletedXXXX XXXX XXXXIssue: Unauthorized inquiry without any application or account relationship.\nLaw: FCRA  1681b prohibits inquiries without a permissible purpose.\nStory: I never initiated any request for credit with XXXX XXXX. Without my consent or a permissible purpose, this record is unlawful.XXXX XXXX XXXXIssue: Unauthorized hard pull.\nLaw: Same as above.\nStory: No transaction or application exists that would justify this credit pull. This harms my score and must be removedXXXX XXXX XXXX XXXX XXXXnIssue: No authorization granted for this inquiry.\nLaw: FCRA  1681b.\nStory: I have never sought credit with XXXX XXXX XXXX XXXX  making this record XXXX XXXX XXXXIssue: Unauthorized inquiry.\nLaw: FCRA  1681b.\nStory: No signed application or permissible purpose exists for this inquiryXXXX XXXX XXXXIssue: Unauthorized inquiry.\nLaw: FCRA  1681b.\nStory: I have no relationship or transaction with XXXX XXXX XXXX XXXXIssue: Duplicate unauthorized inquiry separate from any legitimate account relationship.\nLaw: FCRA  1681b.\nStory: This second pull is excessive, unauthorized, and harmful to my score.XXXX XXXX XXXXIssue: Unauthorized inquiry.\nLaw: FCRA  1681b.\nStory: No credit application was made with XXXX XXXX XXXX XXXX XXXXIssue: Unauthorized inquiry.\nLaw: FCRA  1681b.\nStory: I have no record of application or consentXXXX XXXX XXXX XXXXIssue: Unauthorized inquiry.\nLaw: FCRA  1681b.\nStory: I dispute this entry as no permissible purpose exists.\nRequested Action:\nI respectfully request that the CFPB:\n1.\tInvestigate each of the above accounts and inquiries.\n2.\tEnsure that unverifiable accounts, late payments, charge-offs, and unauthorized inquiries are deleted from my credit report.\n3.\tConfirm in writing that these actions have been completed.\nFailure to remove or correct these inaccurate entries constitutes a violation of federal law, and I reserve all rights to pursue remedies under FCRA  1681n and 1681o, including statutory damages, actual damages, and attorneys fees.\nThank you for your prompt attention to this matter. I am including all supporting documentation I have regarding these accounts'

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