Consumer complaint received 2025-07-16 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 submitting this complaint to formally dispute multiple inaccurate and unauthorized items that are currently appearing on my credit report. These include an address that does not belong to me, a late payment on a paid account, a questionable charge-off, and several hard inquiries made without my knowledge or consent. These entries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), and they are causing measurable harm to my creditworthiness. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to assist in ensuring a full reinvestigation and appropriate resolution of these violations. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$1300.00} Chargeoff * * LAW ISSUE : This account is being reported as a charge-off with a balance owed, which is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ) which mandates that all information must be complete and accurate. FCRA Section 611 ( a ) gives me the right to dispute inaccurate or incomplete information and request reinvestigation STORY : I dispute this charge-off account as inaccurate because the amount being reported is not what I actually owe, and I have not been provided any supporting documentation verifying the debts accuracy or the original creditor agreement. Additionally, I was never properly notified of this debt, and the reporting appears to violate my rights. I respectfully request that the bureau conduct a proper reinvestigation and delete or correct this inaccurate account as required by law XXXX XXXX XX/XX/XXXX Inquiries LAW ISSUE : This hard inquiry appears on my credit report without my authorization or any permissible purpose as required under FCRA Section 604 ( a ) ( 3 ), which strictly outlines the legal grounds for pulling a consumers credit report. Reporting inquiries without consumer consent constitutes a violation of my privacy rights under the FCRA STORY : I did not authorize XXXX XXXX XXXX XXXX to pull my credit on the listed date, nor was I in any credit-related transaction with them. This is an unauthorized inquiry that is negatively affecting my creditworthiness. I request that you immediately remove this inquiry from my report in accordance with my rights under the FCRA Pursuant to my rights under FCRA 611 ( a ), I am requesting that the credit reporting agencies and data furnishers involved provide documented proof of accuracy, validity, and permissible purpose for each item listed in this complaint. If no such verification is provided within the required timeframe, I am requesting immediate removal of the disputed items from my credit report. These entries are materially inaccurate and are being reported in violation of federal law. I respectfully ask the CFPB to take appropriate action to ensure compliance and accountability, and to help restore the integrity of my consumer credit file. Please confirm receipt of this complaint and provide me with the results of any actions taken.

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