Consumer complaint received 2025-08-02 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:
To the Consumer Financial Protection Bureau, I am submitting this formal complaint against one or more consumer reporting agencies and data furnishers for their failure to correct inaccurate, incomplete, and unverifiable information on my credit report, despite my prior dispute efforts. This is my second round of complaint and I have not yet submitted a complaint to the Federal Trade Commission ( FTC ), although I may proceed if no resolution is reached. 
Below is a breakdown of the disputed items still appearing on my credit file : XXXX XXXX XXXX XXXX XXXX, MI XXXX Wrong Address Issue : I have never resided at this address, have no known affiliations, utilities, or leasing agreements tied to it. This appears to be merged with another consumer 's file, violating 15 U.S.C 1681e ( b ) for failure to maintain maximum possible accuracy.

Story : The presence of this address is causing account linkage issues and suggesting a false residence history, leading to wrongful denials and lender suspicion. This is a direct violation of my privacy and credit integrity. Remove immediately. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} Late Payment XXXX XXXX Issue : I never missed a payment on this account, and no late notice or communication was ever received. 
Law : Reporting inaccurate payment history violates FCRA 1681s-2 ( a ) and Section 623 of the FCRA.

Story : This false delinquency is reducing my credit score and impacting major life decisions, including loan approvals and employment. This entry must be corrected or removed. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment XXXX XXXX Issue : Account shows a balance of {$0.00} yet reports a late payment logically contradictory and unverifiable. 
Law : You are legally required to report only verifiable and complete data ( FCRA XXXX ). 
Story : I was never informed of any delinquency. The reported late payment is hurting my score and unjustly defaming my financial trustworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment XXXX XXXX Issue : No valid documentation has been provided proving I was late. Balance was settled.

Law : This violates FCRA 623 ( a ) ( 1 ) ( A ) by furnishing inaccurate information to consumer reporting agencies.

Story : I completed all responsibilities on this account and have record of communication showing no default. The account must be cleared. 
XXXX BANK XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff XXXX XXXX Issue : I was never notified of charge-off, and no documentation was provided to validate it. 
Law : Under FCRA 1681s-2 ( b ), the furnisher must investigate upon notice of dispute.

Story : This charge-off is erroneous and not reflective of my payment history. It has caused denial for basic credit services and left emotional stress. Please delete it immediately. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1100.00} Collection XXXX XXXX Issue : This collection is not mine. I never had an XXXX XXXX XXXX XXXX account under this creditor. 
Law : FDCPA 807 prohibits false representation of debt.

Story : This is clear identity confusion or file merging error. Im being held liable for someone else 's unpaid bills, which is ruining my creditworthiness. Please investigate and delete. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} Collection XXXX XXXX Issue : I have no association with XXXX  XXXX and never received communication from this collection agency. 
Law : You must cease reporting unverifiable debts under FCRA 1681i ( a ).

Story : This debt is unfamiliar, likely resulting from database mix-up. It's damaging my score and needs to be removed unless full verification is shown. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$53.00} Collection XXXX XXXX Issue : This is not a valid debt. I never had a XXXX account at that time or address. 
Law : Under 15 U.S.C. 1692g, I have the right to dispute and request full validation.

Story : This entry is a case of mistaken identity or third-party misreporting. This debt was never mine. Remove it immediately. 
Inquiries : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX Issue : Many of these inquiries are either unauthorized, repeated, or excessive. I did not approve multiple hard pulls from the same lenders. 
Law : Under FCRA 604 ( a ) ( 3 ), a permissible purpose must exist for every hard inquiry. 
Story : These inquiries were done without my full knowledge and consent, some even duplicated on the same day. They are hurting my credit score and must be investigated and removed if not fully authorized.

REQUEST FOR CFPB ACTION : I am requesting that the CFPB conduct a formal investigation into the failure of the credit reporting agencies and data furnishers to remove or correct the above inaccurate, unverifiable, and unauthorized information. My previous disputes were either ignored or insufficiently investigated, and my rights under FCRA have been violated repeatedly. I am requesting that : 1. All wrong addresses be deleted immediately 2. All late payments, charge-offs, and collections that are inaccurate or unverifiable be removed 3. All unauthorized or repeated hard inquiries be investigated and deleted if invalid 4. Credit reporting agencies be held accountable for failure to maintain accurate and fair credit reporting practices

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