Consumer complaint received 2025-08-08 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: WA

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ), I am submitting this formal complaint because the credit bureaus are reporting false, unauthorized, and unverified information on my credit reports. Despite my attempts to dispute these matters directly with the bureaus, they have failed to correct or remove these violations. I am requesting immediate enforcement and action from the CFPB to hold the furnishers and the credit reporting agencies accountable for these ongoing violations of federal law. 
Address XXXX XXXX XXXX XXXX XXXX, NV XXXX Law : FCRA 602 ( A ), 607 ( b ), 611 ( a ) ( 1 ) ( A ) Issue : This address is incorrectly listed on my credit report and I have never lived, received mail, or had any association with this address.

Story : This address may have been reported by mistake or as a result of identity confusion or reporting error by a third party. It is misleading, damaging to my profile, and needs to be removed to reflect accurate personal identifying information. 

Accounts XXXXDOFED # XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$25000.00} Late Payments XXXX XXXX  Law : FCRA 602 ( B ), 607 ( B ), 611, 15 USC 1681i Issue : This account is reporting multiple late payments, which are inaccurate and misleading. 
Story : I have no record of missed or delinquent payments associated with this account. These derogatory marks are harming my credit standing and appear to be a reporting error. I demand a full reinvestigation and removal of all negative notations that can not be verified through original records. 

XXXX/DOFED # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$64000.00} Late Payments XXXX XXXX  Law : FCRA 602 ( B ), 607 ( B ), 611, 15 USC 1681i Issue : This account is also reporting inaccurate late payments which I fully dispute. 
Story : I maintain good standing and responsibility with my accounts. These late entries are erroneous and were never validated through proper documentation. Please remove all derogatory entries not backed by full proof of accuracy. 

XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2300.00} Charge Off XXXX XXXX  Law : FCRA 607 ( B ), 611 ( a ) ( 1 ) ( A ), 602 ( A ), FDCPA 15 USC 1692e ( 8 ) Issue : This charge-off is inaccurately reported and not validated as required under law. 
Story : I have no contractual agreement or sufficient recollection of this account. If the creditor can not provide original documentation proving its validity, I request its immediate deletion as unverified and harmful. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} Collection XXXX XXXX Law : FCRA 611 ( a ) ( 5 ), 607 ( B ), FDCPA 15 USC 1692g Issue : This collection is inaccurate, unverifiable, and being reported without proper validation.

Story : I never received a notice or verification of this debt. This may be the result of re-aged debt or misreported information. If the collection agency fails to produce accurate and timely validation, this must be deleted immediately. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$6800.00} Collection XXXX XXXX Law : FCRA 607 ( B ), 611, FDCPA 15 USC 1692g ( b ) Issue : This medical collection was never validated nor properly explained to me as the consumer. 
Story : I have no recollection or invoice regarding this account. This may be a result of incorrect billing or miscommunication from the original creditor. If this account is unverifiable, please remove it from my report immediately under federal law. 

Inquiries XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ), 604 ( c ) ( 1 ) ( B ) Issue : This hard inquiry was made without my written authorization or permissible purpose. 
Story : I did not apply for any credit with this company. This inquiry is unauthorized and negatively affecting my score. It must be deleted immediately or proof of consent must be provided. 

XXXX XXXX XX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ), 604 ( c ) ( 1 ) ( B ) Issue : This hard inquiry was not initiated or approved by me. 
Story : I did not request any services or applications with this entity on or around the date listed. This unauthorized inquiry is damaging and must be removed unless validated with signed documentation. 

I am demanding immediate investigation and enforcement by the CFPB to ensure all listed addresses, unauthorized inquiries, and unverified accounts are removed from all credit bureau reports. These issues are damaging my credit score, affecting my financial opportunities, and violating my consumer rights. The credit bureaus and data furnishers have failed to comply with the Fair Credit Reporting Act, and I rely on the CFPB to ensure these violations are addressed with urgency and consequence. I request full correction, deletion, and written confirmation of all resolved matters from the CFPB and all involved parties.

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