Consumer complaint received 2025-09-24 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:
I am submitting this formal complaint regarding multiple inaccuracies and unauthorized inquiries on my credit report, which are severely affecting my creditworthiness, access to financial services, and overall financial stability. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, demanding immediate investigation and correction of these erroneous items. 
The items in dispute are as follows : XXXX XXXX XXXX, TX XXXX Incorrect Address I have never resided at this address. Reporting this inaccurate information violates my right to accurate reporting under FCRA 1681i ( a ). Misreporting addresses can lead to identity confusion, misidentification by lenders, and wrongful denial of credit. Continued failure to correct this inaccuracy constitutes a willful violation of FCRA and exposes the reporting agencies to potential liability. 
XXXX XXXX XXXX, TX XXXX Incorrect Address This address is falsely associated with my identity. Under FCRA 1681e ( b ), credit reporting agencies must maintain reasonable procedures to ensure maximum possible accuracy. Reporting an address that is not mine violates this statutory requirement and jeopardizes my ability to obtain credit, rent housing, or conduct financial transactions reliably. 
XXXX XXXX ( Opened XX/XX/XXXX, Balance {$0.00} ) Late Payment * This account is reported as late despite timely payment. Reporting false delinquencies is a violation of FCRA 1681s-2 ( a ), which requires furnishers to report accurate information. Incorrect reporting affects my credit score, financial reputation, and eligibility for loans. I request immediate reinvestigation and removal of this false late payment to comply with federal law. 
XXXX XXXX XXXX XXXX  ( Opened XX/XX/XXXX, Balance {$100.00} ) Late Payment * * This account was never delinquent. Under FCRA 1681s-2 ( b ) and 1681i ( a ), both furnishers and credit bureaus are required to correct inaccurate information promptly. The false reporting of late payment constitutes a violation of federal law, harming my financial opportunities and creating actionable grounds for legal remedy. 
XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance {$0.00} ) Late Payment * * Incorrectly reporting this account as late violates FCRA 1681s-2 ( b ) and misrepresents my payment history. Such inaccuracies constitute a material misrepresentation of my financial responsibility and entitle me to corrections, damages, and notice of correction under federal law. 
XXXX XXXX Account # XXXX XXXX XXXX  ( Opened XX/XX/XXXX, Balance {$560.00} ) Chargeoff * * This account is inaccurately reported as a charge-off despite being in good standing. This violates FCRA 1681i ( a ) requiring reinvestigation of disputed items. False charge-off reporting also constitutes a misrepresentation that can create actionable claims under FDCPA 1692e for deceptive practices. 
XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance {$0.00} ) Chargeoff * * This account has been fully satisfied and is inaccurately reported as a charge-off. Reporting a satisfied account as charged-off violates FCRA 1681i and 1681s-2 ( a ). Such misreporting is actionable, misleading to lenders, and constitutes a material adverse effect on my financial situation. 
XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance {$21000.00} ) Late Payment * * This account has been reported as late despite all payments being made on time. Reporting false delinquencies is a violation of FCRA 1681s-2 ( a ) and directly affects my credit score, financial reputation, and eligibility for credit. The continued presence of this false late payment is causing material financial harm, including higher interest rates and loan denials. Immediate correction is required. 
XXXX Account # XXXXXXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance {$0.00} ) Late Payment * * This account has never been delinquent. Reporting a late payment is inaccurate and violates FCRA 1681s-2 ( b ), which requires furnishers to report accurate information. The false reporting is causing confusion and misrepresentation of my creditworthiness, potentially leading to denials for new credit. 
XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance {$0.00} ) Late Payment * * This account is being reported incorrectly as late. I have consistently met all obligations, and such misreporting is actionable under FCRA 1681i ( a ). These inaccuracies create unnecessary financial stress and mislead lenders about my credit behavior, requiring immediate removal or correction. 
XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Opened XX/XX/XXXX, XXXX {$230.00} ) Chargeoff * * This account is inaccurately reported as a charge-off. I have never defaulted on this account. Reporting a satisfied or properly managed account as charged-off violates FCRA 1681s-2 ( a ) and may constitute a deceptive practice under FDCPA 1692e. The false reporting is harming my ability to access credit and increasing financial hardship. 
XXXX Account # XXXXXXXX XXXX ( Opened XX/XX/XXXX, Balance {$350.00} ) Collection * * This account is incorrectly reported as being in collection. Reporting an account inaccurately as a collection account violates FCRA 1681i and 1681s-2 ( a ), causing material harm to my creditworthiness. The misreporting has already led to denials for credit and financial products, creating significant financial stress and loss of opportunity. 
XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance {$100.00} ) Collection * * This account is inaccurately reported as a collection. I dispute this claim as the account was either settled or never delinquent. Reporting false collection accounts violates FCRA 1681s-2 ( a ) and materially damages my creditworthiness. Such misrepresentation misleads lenders, causes loan denials, and results in higher interest rates, creating tangible financial harm. Immediate correction is required. 
XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance {$160.00} ) Collection * * This is a duplicate and false reporting of the same account. FCRA 1681i ( a ) requires credit bureaus to reinvestigate disputed items. The duplicate collection reporting exacerbates harm to my credit score and reputation, and constitutes willful noncompliance with federal law. 
Unauthorized/Inaccurate Hard Inquiries : The following inquiries were made without my authorization or are being inaccurately reported : XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA 604 ( a ), all hard inquiries require my express authorization. I dispute all unauthorized inquiries listed above and demand their immediate removal. These inquiries negatively impact my credit score, create confusion for lenders, and constitute a violation of federal law. Continued reporting of these inquiries without authorization may be considered willful noncompliance and actionable under FCRA 1681n.

Requested Action : I request that each disputed item, including both collection accounts and unauthorized inquiries, be reinvestigated, corrected, or removed in accordance with federal law. I also request written confirmation of all actions taken, including updated reporting to all relevant credit bureaus.

Failure to correct these inaccuracies will leave me no choice but to pursue further legal remedies under the FCRA, FDCPA, and applicable state consumer protection laws. I demand immediate attention to this matter and resolution in full compliance with federal law.

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