Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate and unauthorized items appearing on my credit reports. Despite my repeated efforts to dispute these inaccuracies with the credit reporting agencies and the furnishers involved, the information remains uncorrected, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX. Incorrect Personal Information The following addresses are being reported as associated with me, but I have no connection or residence history with them : XXXX XXXX, XXXX XXXX, XXXX XXXX Wrong Address XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Wrong Address These addresses are false and must be deleted immediately from all credit bureau files. 

XXXX. Inaccurate Late Payment Reporting The following accounts are being reported with late payments, which is entirely false. I have never made a late payment on any of these accounts, and I demand an immediate correction to reflect an accurate payment history : XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$6600.00} Date Opened : XX/XX/XXXX Inaccurate Late Payment XXXX XXXX XXXX ) High Balance : {$870.00} Date Opened : XX/XX/XXXX Inaccurate Late Payment XXXX XXXX XXXX XXXX ) High Balance : {$470.00} Date Opened : XX/XX/XXXX Inaccurate Late Payment These late payment entries are damaging my credit profile and are factually wrong. Under FCRA Section 623, furnishers are required to report accurate information, and under Section 611, the bureaus must conduct a reasonable reinvestigation when disputes are raised. 

XXXX. Unauthorized and Questionable Hard Inquiries I have also identified several unauthorized or unexplained credit inquiries that I did not initiate or authorize. These inquiries must be investigated and removed immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Each of these inquiries represents a potential privacy and security breach. I request that the CFPB compel the credit bureaus and furnishers to provide documentation proving I granted authorization for these pulls, or otherwise have them deleted. 

XXXX. Requested Actions I respectfully request that the CFPB : Conduct a full investigation into these inaccuracies and the entities responsible. 

Require the credit reporting agencies to remove the false addresses and unauthorized inquiries. 

Instruct the furnishers to correct the false late payment reporting immediately. 

Ensure compliance with FCRA Sections 602, 604, 611, and 623, which guarantee my right to accurate, verifiable, and fair credit reporting. 

These repeated inaccuracies have caused measurable harm to my creditworthiness, reputation, and peace of mind. I am demanding prompt corrective action and full accountability from the parties involved.

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