Consumer complaint received 2025-08-09 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:
CFPB Complaint Inaccurate and Unverifiable Credit Reporting I am filing this complaint because multiple credit bureaus continue to report inaccurate, unverifiable, and outdated information on my consumer credit file despite my prior disputes. These errors are causing severe harm to my creditworthiness, violating my rights under the Fair Credit Reporting Act ( FCRA ) and related federal laws. My first dispute letter was sent and received, yet these items remain uncorrected. The following details the disputed information : XXXX XXXX XXXX, XXXX  XXXX Wrong Address Issue : This address does not belong to me and has never been associated with my residency or financial accounts. The continued reporting of this address links me to accounts and activities that are not mine, which is causing damage to my credit standing. 
Law : FCRA 602 ( A ), 604 ( A ) ( 2 ), and 611 ( a ) You are required to ensure accuracy and remove unverifiable information within 30 days of dispute.

Story : This is a repeated error I already disputed in my first letter, yet it remains. The presence of this address is allowing fraudulent accounts to remain linked to my profile, leading to denials for credit and employment. Your failure to correct it shows negligence and will be included in my pending CFPB complaint. 
XXXX XXXX XXXX XXXX, XXXX  XXXX Wrong Address Issue : I have never lived or conducted any financial activity at this address. 
Law : FCRA 602 ( B ) You are to maintain maximum possible accuracy in consumer reports. 
Story : The continued reporting of this location is directly associating me with derogatory accounts I did not open. This is a clear violation of my consumer rights under the FCRA, and your lack of action after my first dispute indicates willful noncompliance. 
Bankruptcy Reference # : XXXX Court : XXXX Bankruptcy Court Issue : This bankruptcy is reporting inaccurately and without proper verification from the court itself. Public record data must be obtained from original sources, not third-party databases. 
Law : FCRA 607 ( b ) Obligation to maintain maximum possible accuracy ; FTC Guidance on public record reporting. 
Story : I have never received direct confirmation from the court regarding this filing in my name. The continued presence of this unverifiable bankruptcy entry is severely damaging my credit profile and constitutes reckless reporting. 
Requested Resolution : I am requesting the CFPBs intervention to compel the credit bureaus to remove all the above incorrect addresses, unverifiable accounts, and false public records from my credit report. The bureaus have failed to correct these errors after my first dispute and are in ongoing violation of the FCRA. I also request investigation into the credit bureaus reinvestigation process, as their continued reporting of these disputed items suggests noncompliance and willful disregard of consumer protection laws.

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 explanation