Consumer complaint received 2025-09-05 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:
I am filing this complaint because the credit bureaus have continuously failed to maintain accurate records and continue to report false, unverifiable, and misleading information about me. This is causing serious harm to my credit reputation, financial stability, and overall livelihood. Under the Fair Credit Reporting Act ( FCRA ), I have the right to have only accurate, verifiable, and complete information reported. Despite multiple disputes, the following inaccurate addresses, accounts, and inquiries remain on my file. I am requesting that the CFPB hold the credit bureaus accountable, enforce compliance with federal law, and have these items properly investigated and deleted. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX Wrong Address Issue : This is not my residence and has no connection to me. Reporting this address is a violation of my rights under FCRA Section 604 and Section 607 ( b ).

Law : FCRA Section 607 ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report.

Story : The continued appearance of this wrong address on my report is evidence of negligent reporting. I have never lived here, nor have I ever been associated with this location in any way. Because this false address is tied to my credit file, it increases the chance of mixed files, identity confusion, and reporting of accounts that are not mine. This is damaging to my financial reputation and has already resulted in inaccurate information being linked to me. 
XXXX XXXX * * Date Opened XX/XX/XXXX Balance {$480.00} Late Payment * * Issue : This account is being reported with late payments that are not accurate. 
Law : FCRA Section 607 ( b ) and Section 611 mandate maximum accuracy and proper reinvestigation of disputed accounts. The Fair Credit Billing Act ( FCBA ) also protects against improper billing and misapplied payments.

Story : The alleged late payment reporting on this account is completely unfair and false. I have provided evidence that payments were made in good faith, and yet the bureau continues to allow false derogatory marks to remain. This is lowering my credit score and making me appear as a risky borrower when I have fulfilled my responsibilities. Continuing to report false late payments is both negligent and damaging. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} Late Payment * * Issue : The late payment being reported is inaccurate and not verifiable.

Law : FCRA Section 609 requires the furnisher to provide proper documentation when an account is disputed. Section 611 requires deletion if no verification is provided.

Story : I have challenged this account multiple times, asking the bureau to obtain proper documentation proving the late payment. To date, no original documentation from the creditor has been provided, yet the negative mark remains. This demonstrates that the bureau is not ensuring maximum possible accuracy. Keeping unverifiable data on my file is unlawful and has caused me financial damage. 
XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} Late Payment * * Issue : The reporting of a late payment on this account is inaccurate. 
Law : FCRA Section 607 ( b ) requires accurate reporting, and Section 611 requires reinvestigation and deletion if unverifiable.

Story : The bureau has failed to produce proper evidence of this late payment, yet continues to allow this derogatory mark to harm my report. A single false late payment has a serious impact on creditworthiness, and the continued publication of unverifiable derogatory data shows a reckless disregard for consumer rights. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$0.00} Chargeoff * * Issue : The chargeoff status being reported is false and unverified. 
Law : FCRA Section 623 prohibits furnishers from reporting information they know or should know is inaccurate. Section 611 requires deletion of unverifiable data.

Story : I have never defaulted on this account in the way it is being described, yet it is still listed as a chargeoff. The creditor has not provided proof of chargeoff, and the bureau has not corrected this despite multiple disputes. This false chargeoff is causing extreme damage to my score and financial opportunities. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$53.00} Collection * * Issue : This collection account is not mine and is reported in error. 
Law : FCRA Section 609 requires verification of the debt, and Section 611 requires deletion if not verified. FDCPA ( Fair Debt Collection Practices Act ) Section 809 requires collectors to provide proper validation of debt upon request.

Story : This collection does not belong to me, yet it is showing on my report. I have never had an account with this creditor and I have never received proper validation from the collector. Reporting this false debt violates both FCRA and FDCPA and has directly harmed me by making me appear delinquent when I am not. 
XXXX XX/XX/XXXX Inquiry Issue : This inquiry was unauthorized and harmful.

Law : FCRA Section 604 states that inquiries must be made only with permissible purpose.

Story : I never authorized this company to access my credit report, yet it appears on my file. Unlawful inquiries lower my score and expose me to identity theft risks. 
XXXX XX/XX/XXXX Inquiry Issue : Unauthorized credit inquiry.

Law : FCRA Section 604.

Story : I did not apply for credit with COAF, and therefore they had no permissible purpose to pull my report. This is a clear violation of my rights under FCRA. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : Unauthorized inquiry.

Law : FCRA Section 604.

Story : I have never done business with this company and did not give them consent to pull my report. This inquiry was made without my knowledge or permission. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : Duplicate and unauthorized inquiry.

Law : FCRA Section 604. 
Story : Not only was this inquiry unauthorized, but it appears multiple times, showing clear negligence in credit reporting practices. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : Unauthorized inquiry.

Law : FCRA Section 604.

Story : I never gave authorization for this inquiry. This company acted without a permissible purpose, damaging my credit profile. 
XXXX XX/XX/XXXX Inquiry Issue : Inquiry without my permission.

Law : FCRA Section 604.

Story : This inquiry is not tied to any application I made. It was unauthorized and is a violation of FCRA. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : Unauthorized inquiry.

Law : FCRA Section 604.

Story : I did not approve or apply for credit that would justify this inquiry. It is unlawful and should be removed. 
XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : Unlawful inquiry.

Law : FCRA Section 604.

Story : I never authorized this credit pull. This inquiry was made without my consent and has harmed my credit file.

Closing Statement The credit bureaus are required under FCRA to maintain the highest standards of accuracy and to delete unverifiable information when disputed. By continuing to allow wrong addresses, false late payments, chargeoffs, collections, and unauthorized inquiries to remain, they are in violation of multiple federal laws. I request the CFPB to take immediate action to enforce compliance, hold the bureaus accountable, and ensure all of the above items are deleted from my credit report.

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