Consumer complaint received 2025-08-05 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:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding multiple instances of inaccurate, unverifiable, and misleading information being reported on my credit reports by furnishers and credit bureaus, which are in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite repeated attempts to dispute and correct these items, they continue to appear on my credit file, significantly damaging my financial integrity. 
WRONG ADDRESSES ( DISPUTE & DELETE ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This is a variation of my current address, and I never provided or used the XXXX XXXX extension for any credit-related purposes. This kind of data duplication creates confusion and file mismatches.

Law : FCRA 607 ( b ) Credit bureaus must assure maximum possible accuracy. 
Story : My only true address is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. I have never submitted, verified, or resided using the XXXX variation. This redundant listing is creating possible identity confusion and system errors in credit matching. 
NEGATIVE ACCOUNTS ( DISPUTE & DELETE OR CORRECT ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This is a third-party collection for a debt already listed separately under XXXX XXXX XXXX XXXX 
Law : FCRA 609 ( a ) ( 1 ) & FDCPA 809 Consumers have the right to request full validation and avoid double reporting.

Story : Reporting the same debt under both the original creditor and collection agency inflates my debt load and damages my score unfairly. XXXX never provided any notice or validation. I was not even aware this account was sold or transferred. 
XXXX XXXX XXXX XXXX XXXX Issue : This is a charged-off auto loan, but no supporting statements or charge-off notice was ever sent.

Law : FCRA 602 ( a ), FDCPA 809 Inaccurate reporting or lack of verification is unlawful. 
Story : I experienced job loss during XXXX and tried to communicate with XXXX XXXX XXXX but no support was given. Instead, they went straight to charge-off. I never received any formal final bill or chance to pay. This is unfair and financially devastating. 
XXXX XXXX XXXX Issue : Account is marked with late payment even after it's closed and paid.

Law : FCRA 607 ( b ) Only accurate, updated data should remain.

Story : I paid this off completely, and there should be no late payment being shown post-closure. This is misleading and damaging, especially as I was trying to get pre-approved for a mortgage when this showed up. 
XXXX XXXX XXXX : Showing late payments even though balance is {$0.00} and account is closed.

Law : FCRA 607 ( b ) Outdated or false information must be corrected.

Story : I completed this account successfully. Late marks are being reported long after closure. I dont even understand what late payment is being referred to. This is harming my payment history record. 
XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Issue : This collection shows an open date in the future ( XX/XX/XXXX ), which is factually impossible.

Law : FCRA 605 ( a ) Reporting futuristic or unverified data is a violation.

Story : I had billing disputes with XXXX and they failed to respond. Then this went into collections without even being resolved. I was never even billed correctly. Now its hurting me for something that was never my fault. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : All accounts are showing late payments during years I was under federal deferment or forbearance.

Law : FCRA 607 ( b )
, HXXXX XXXX XXXX XXXX  periods should not reflect delinquencies. 
Story : I was on official deferment and XXXX  plan due to financial hardship. My loan servicer failed to report this correctly. These accounts are damaging my credit for years even though I complied with all federal student loan rules. 
UNAUTHORIZED OR SUSPICIOUS HARD INQUIRIES XXXX XXXX XXXXXX/XX/XXXX Issue : This is a future-dated inquiry which is logically impossible.

Law : FCRA 605 ( a ) ( 1 ) No future inquiry can exist. 
Story : I never authorized this, and the date proves it's a system error or false entry. I want it removed immediately. 
XXXX XXXX XX/XX/XXXX Issue : I did not apply for any product with XXXX XXXX. 
Law : FCRA 604 ( a ) ( 3 ) Requires permissible purpose for inquiry. 
Story : I never had an account or application with XXXX. This may be identity fraud or misattribution. It needs urgent removal. 
XXXX XXXX XX/XX/XXXX Issue : Unknown company, no authorization for inquiry. 
Law : FCRA 604 No permissible reason. 
Story : Ive never heard of this lender and certainly never gave them permission. This is suspicious and should not be on my report. 
XXXX XXXX XX/XX/XXXX Issue : I did not apply for any new account with XXXX XXXX at that time. 
Law : FCRA 604 Inquiries must be backed by clear authorization. 
Story : I had an active account already. No new credit product was requested, so this inquiry is invalid. 
XXXX XXXX XX/XX/XXXX Issue : Unauthorized hard pull by XXXX. 
Law : FCRA 604 ( a ) ( 3 ) ( A ) Must be based on application or account review. 
Story : I never applied for a XXXX card. This was not initiated by me. It may be internal or mistaken, but its harming my report and must be removed. 
REQUEST FOR ACTION I am requesting the CFPB to : Investigate the listed accounts, addresses, and inquiries Direct the credit reporting agencies to remove or correct all inaccurate, duplicate, and unverifiable information Ensure XXXXXXXX XXXX XXXX XXXX XXXXXXXX cease double-reporting Enforce validation requirements under FDCPA 809 Sanction furnishers and bureaus violating FCRA 602, 607, 609, 611 This situation has made it impossible for me to access fair credit, get approved for basic loans, and rebuild my financial life. Ive suffered emotional and financial distress due to these violations. 
Please let me know if additional documentation is needed. Im attaching a copy of my credit report highlighting the disputed entries.

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