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:
To the Consumer Financial Protection Bureau, I am filing this complaint because my credit reports are containing multiple inaccurate, misleading, and unverifiable items that are causing me financial harm. These items include chargeoffs, collections, and wrong addresses. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, 1681e ( b ), and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, I am entitled to accurate and fully verified information. Below I am listing each item with account number, issue, law, and detailed story XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Chargeoff Issue : Inaccurate chargeoff reporting Law : FCRA 1681i, 1681e ( b ) Story : This account is being reported as a chargeoff without providing me proper verification or documentation. I never received complete validation or lawful notice, and the reporting of a chargeoff continues to misrepresent my payment history. This inaccurate reporting lowers my creditworthiness and is harmful to my financial standing. This must be corrected or removed immediately XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Chargeoff Issue : Misleading chargeoff Law : FCRA 1681e ( b ), 1681i Story : This account is marked as a chargeoff, but I was never properly notified or provided legal validation of the debt. The reporting bureau and furnisher have failed their obligations under FCRA to ensure accuracy. The continued reporting of this item is harmful, misleading, and unlawful. It must be corrected or deleted immediately XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff Issue : False chargeoff reporting Law : FCRA 1681e ( b ), 1681i Story : This account incorrectly shows a chargeoff with no balance, which is impossible and misrepresents my financial history. This misreporting directly affects my creditworthiness and is not supported by verified documentation. It must be reinvestigated and corrected immediately XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1900.00} Chargeoff Issue : Inaccurate chargeoff Law : FCRA 1681i, 1681s-2 ( b ) Story : This account has been listed as a chargeoff without providing me with verifiable evidence of delinquency. No original creditor validation has been provided. The reporting is damaging, inaccurate, and misleading. Immediate reinvestigation and removal is required XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Chargeoff Issue : Misleading chargeoff Law : FCRA 1681e ( b ), 1681i Story : This account was marked as a chargeoff despite my repeated requests for validation. The bureau and furnisher are not meeting their obligations to ensure accuracy. This account continues to mislead lenders and harm my financial opportunities. I demand full reinvestigation and correction XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Address Issue : Wrong address reporting Law : FCRA 1681e ( b ) Story : This address is inaccurately reported and does not belong to me. It harms my credit profile and creates confusion regarding my identity. Reporting wrong addresses violates the duty of accuracy under FCRA and must be removed immediately For each item listed above, I request a full reinvestigation under FCRA 1681i and removal of any unverifiable or inaccurate data. The bureaus and furnishers have an obligation to maintain maximum accuracy, and the failure to do so has caused me financial and reputational harm. I respectfully request the CFPB to take immediate action and ensure my credit file is corrected Sincerely, XXXX XXXX XXXX

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