Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
Dear CFPB Officer I am submitting this formal complaint against the credit reporting agencies and furnishers who are reporting inaccurate, unverifiable, and unauthorized information on my credit file. Despite sending a prior dispute, these issues remain unresolved. The agencies have failed to maintain reasonable procedures to assure maximum possible accuracy as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681. The continued reporting of these items is not only damaging my financial well-being but also interfering with my daily life, including job opportunities, housing, and mental peace. 
XXXX XXXX XXXX, MI XXXX Wrong Address Issue : I have never lived at this address nor have any connection to it. It is being inaccurately reported on my credit file without permissible purpose or my authorization. 
Law : FCRA 1681e ( b ) requires furnishers to report only accurate and verified information. Reporting inaccurate addresses violates this requirement.

Story : This address has no association with me and is contributing to mixed file errors. It is likely from identity confusion or third-party data entry error, but I should not suffer from misreporting that is not backed by concrete verification. I request immediate deletion. 
XXXX XXXX XXXX XXXX, MI XXXX Wrong Address Issue : This is not and has never been my residence. Its affecting the integrity of my credit profile.

Law : FCRA 1681i ( a ) mandates reinvestigation of disputed data.

Story : The presence of this address has raised red flags during job and credit checks. I feel targeted and confused due to unknown reporting practices. This must be thoroughly investigated and removed. 
XXXX XXXX XXXX XXXX, MI XXXX Wrong Address Issue : Duplicate or inaccurate reporting of a place Ive never been associated with.

Law : Under FCRA 1681b, information must only be obtained and reported with a valid purpose.

Story : I have submitted address documentation previously, and this address is not supported by any valid lease, utility bill, or ID in my name. Its presence misleads lenders and employers about my identity. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Late Payment Issue : This account reflects a late payment which I dispute as inaccurate.

Law : FCRA 1681s-2 ( a ) ( 1 ) ( B ) prohibits furnishers from reporting information they know to be inaccurate.

Story : I made payments timely or was in a valid deferment/forbearance program when this was reported late. I contacted the creditor, but no supporting documentation or evidence has been provided to justify this derogatory mark. This late payment is harming my ability to secure credit and needs correction or deletion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Late Payment Issue : This entry shows a late payment that I have no recollection or record of.

Law : Under FCRA 1681i ( a ), I have the right to a full reinvestigation.

Story : I never received notice or validation for this account. It may have been misreported due to internal errors or an account transition problem. My efforts to resolve it with the furnisher were unsuccessful. I request the late payment be removed. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Collection Issue : This collection is inaccurate and not authorized.

Law : FDCPA 807 and FCRA 1681s-2 prohibit reporting unverifiable and deceptive collection data.

Story : I was never served any valid debt notice for this amount, and I dispute the ownership and balance. This collection has no legal basis and was placed on my report without providing a debt validation letter. It is misleading and damaging. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Chargeoff Issue : Charged off with {$0.00} balance, unclear account history.

Law : FCRA 1681e ( b ) mandates accurate reporting of current balance and status.

Story : This account is misleading. It is unclear whether this was settled, forgiven, or resolved. A {$0.00} balance should not remain under derogatory status indefinitely. Its presence unfairly lowers my credit rating and causes confusion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Late Payment Issue : Incorrect reporting of delinquency.

Law : FCRA 1681s-2 prohibits reporting inaccurate info knowingly.

Story : I was enrolled in a hardship assistance program or dispute process during this period. The late payment notation is inaccurate and unfairly impacts my score and ability to qualify for rental housing. 
XXXX  XXXX XX/XX/XXXX Inquiry Issue : Duplicate hard inquiry without consent.

Law : Same as above under 1681b.

Story : Multiple unauthorized inquiries from the same lender suggest systemic error or abuse. These unnecessary inquiries are damaging my score and must be removed as soon as possible.

I respectfully ask the CFPB to investigate each of the above-listed issues. The credit bureaus and furnishers are in violation of multiple provisions under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. These inaccurate reports are negatively affecting every aspect of my life. I request deletion of unverifiable data, correction of inaccurate information, and enforcement actions against any agency or company found in willful violation.

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