Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
I am submitting this complaint due to serious inaccuracies and harmful reporting practices on my credit file that have led to financial, emotional, and personal distress. The listed credit reporting agencies have violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other relevant consumer protection laws. These accounts and addresses were reported inaccurately, without proper verification, and have continued to impact my credit unfairly. Below is a detailed breakdown of each issue : XXXX XXXX  XXXX XXXX XXXX, TX XXXX Issue : This address does not belong to me and is being reported without my consent or confirmation.

Law Violated : FCRA 1681e ( b ) Failure to ensure maximum accuracy ; FCRA 1681b Permissible purpose violations.

Story : I have never lived at this address, nor have I used it in connection with any financial or credit-related activity. Its continued appearance on my credit report suggests possible file mixing or identity confusion. False address data can lead to rejection for credit and employment, and it also opens the door to identity theft or misidentification. I previously disputed this, but it remains unchanged. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Issue : This is another address I have never been affiliated with.

Law Violated : FCRA 1681c ( f ) Information must relate to the consumer ; FCRA 1681i Reinvestigation failure.

Story : I have no connection to this residence, and its presence implies systemic negligence in verifying consumer information. This may be the result of file merging or creditor error, but regardless of origin, the inaccuracy must be removed under federal law. It affects the validity of my credit file and my ability to establish lawful residence verification.

XXXX XXXX XXXX  Issue : Charged-off account inaccurately reported and not properly validated.

Law Violated : FCRA 1681c ( a ) ( 4 ) Obsolete information ; FDCPA 1692g Failure to validate debt ; FCRA 1681s-2.

Story : This account is being reported as a charge-off without proof of the original agreement, payment history, or a valid chain of custody. The reporting appears to be older than allowed or lacks current, accurate status. Despite prior disputes, XXXX  has not provided proper validation nor corrected inaccuracies. I request this item be removed for failure to meet legal requirements and due process. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Late payments reported without accurate context or updated information.

Law Violated : FCRA 1681s-2 ( b ) Duty to investigate and correct ; FDCPA 1692e ( 2 ) ( A ).

Story : This account has repeatedly shown late payments, many of which are either outdated or never occurred. I never received proper communication from the creditor explaining the delinquencies. Reporting this kind of inaccurate and unvalidated negative payment history directly harms my credit score and reputation, especially when it appears with a high balance. I demand a thorough reinvestigation or removal under the law. 
XXXX XXXX XXXX XXXXXXXX Issue : Third-party collection without validation or consumer agreement.

Law Violated : FDCPA 1692g ( b ) ; FCRA 1681e ( b ).

Story : I have never entered into any agreement with this debt collector, and they have not furnished any signed contract or statement. This collection was added without prior notice or debt validation. Continued reporting of an unverifiable account is illegal and misleading. I have already disputed this without resolution, and now request full deletion. 
XXXX XXXX XXXX XXXX Issue : Collection account reported with no debt validation.

Law Violated : FDCPA 1692g ; FCRA 1681i.

Story : This debt was never validated after my written request. I have no knowledge of this debt or the origin. The agency failed to provide verification as required under the FDCPA. XXXX XXXX is furnishing this data without adequate evidence, in violation of my consumer rights. 
XXXX XXXX XXXX XXXX6 * Issue : Invalid collection account reporting.

Law Violated : FDCPA 1692g ( b ) ; FCRA 1681e ( b ).

Story : This is a well-known debt buyer that failed to validate this debt. I have never received communication that satisfies federal validation requirements. Continued reporting despite a lack of verification and dispute constitutes willful noncompliance and warrants immediate deletion. 
XXXX XXXX XXXX XXXXXXXX XXXX Issue : Paid account still reported as active collection.

Law Violated : FDCPA 1692e ( 2 ) ( A ) ; FCRA 1681s-2 ( b ).

Story : This account was paid in full, yet it is still being reported as a derogatory collection. Reporting false status of a paid debt is a violation of the law and harms my ability to secure credit. The account should reflect a paid status or be removed entirely. 
XXXX XXXX XXXX XXXX XXXX  Issue : Invalid collection, not verified. 
Law Violated : FDCPA 1692g ; FCRA 1681b.

Story : This account was never verified or validated. I have no recollection of owing this balance or receiving a statement from the original creditor. XXXX has ignored lawful dispute and continues to report. I demand that this be deleted immediately. 
REQUEST FOR RELIEF I respectfully request that the Consumer Financial Protection Bureau fully investigate these matters. I request the removal of all the above incorrect addresses and inaccurate account entries from my credit file. The reporting agencies and creditors have repeatedly failed to meet their legal obligations under the FCRA and FDCPA. These entries have caused me financial harm, mental distress, and reputational damage. 
Thank you for your attention to this matter.

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