Consumer complaint received 2025-09-26 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:
b'I am writing to formally dispute multiple inaccuracies on my credit report that are causing significant harm to my creditworthiness. I request that these issues be investigated and corrected immediately under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seq., which mandates that all credit reporting must be accurate, complete, and verifiablXXXX XXXX XXXX XXXX TX XXXX  | Wrong Address\nI have never lived at this address. Its presence on my credit report is completely false and creates confusion about my residence history. This incorrect reporting has caused me to face inquiries from creditors, increased scrutiny on my applications, and unnecessary XXXX. I have always maintained a clear and consistent address history. Including this false address can wrongly associate me with accounts I have no knowledge of and mislead potential lenders into thinking I have undisclosed financial obligations. Immediate correction or removal is essential to maintain the integrity of my credit file.XXXX XXXX XXXX | Open Date: XXXX | High Balance: XXXX  | Chargeoff\nI have no knowledge of this account and have never authorized it. Its reporting as a charge-off is fraudulent and misleading. I have never applied for this credit card nor received any statements or notifications related to it. The existence of this account on my report suggests financial irresponsibility that is entirely inaccurate. Such fraudulent reporting damages my creditworthiness, misrepresents my financial history, and exposes me to potential legal risk if the account is pursued for collection. Immediate deletion is demanded.XXXX XXXX XXXX | Open Date: XXXX XXXX  High Balance: XXXX XXXX Late Payment\nI have never made late payments on this account. The reported late payment is entirely false and misrepresents my responsible financial behavior. I have consistently made timely payments, and this error suggests negligence on my part that simply did not occur. Such inaccuracies can reduce my credit score, affect my loan eligibility, and harm my reputation with lenders. I request correction of the payment history to accurately reflect my on-time paymentsXXXX XXXX XXXX Open Date: XXXX XXXX  High Balance: XXXX | Chargeoff\nI have no knowledge of this account and did not authorize it. Reporting a charge-off on an account I never opened is entirely inaccurate and misleading. This incorrect information harms my credit report and falsely implies financial mismanagement. Immediate removal is required to restore the accuracy of my credit file.XXXX XXXX  | Open Date: XXXX XXXX  High Balance: XXXX XXXX Chargeoff\nI have never opened or been associated with this account. Its reporting as a charge-off is fraudulent and damaging. This misinformation may negatively affect loan approvals, credit applications, and financial trustworthiness. I demand immediate deletion to prevent ongoing harm and to uphold the legal requirements under FCRA.XXXX XXXX XXXX  Open Date: XXXX XXXX  High BalanceXXXX XXXX | Chargeoff\nI have no knowledge of this account. Reporting a charge-off here is entirely false. This account misrepresents my financial behavior and damages my creditworthiness. Immediate removal is necessary to correct this erroneous reporting and prevent further damage.XXXX XXXX XXXX Open Date: XXXX  | High Balance: XXXX  | Late Payment\nI have never made late payments on this account. The history reported is false and creates a negative impression of my financial management. This inaccuracy can reduce my credit score, create obstacles in securing loans, and mislead creditors about my reliability. I demand the correction of the payment history to reflect my actual timely payment record.XXXX XXXX | Open DateXXXX XXXX XXXX  High BalanceXXXX XXXX | Late Payment\nThe reported late payment is completely incorrect. I have consistently made timely payments on this account. Misreporting of this nature falsely portrays me as delinquent and affects my financial reputation and creditworthiness. I request immediate correction to accurately reflect my account historyXXXX XXXX XXXX Open Date: XXXX | High Balance: XXXX XXXX Late Payment\nI have never made late payments on this account. The reporting of a late payment is completely false and misrepresents my financial responsibility. This inaccuracy harms my credit score, creates obstacles in securing credit, and falsely suggests negligence on my part. I request correction of this accounts payment history to accurately reflect my timely payments and responsible financial behaviorXXXX XXXX  | Open Date: XXXX  | High Balance: XXXX  | Late Payment\nThis late payment status is inaccurate. I have always made payments on time, and the reporting of delinquency is a misrepresentation of my account history. False reporting of late payments negatively affects my credibility with lenders and can result in higher interest rates or loan denials. I demand immediate correction to reflect the accurate payment history.XXXX XXXX XXXX Open Date: XXXX  | High BalanceXXXX XXXX | Late Payment\nI have never been late on this account. The reported late payment is entirely false and damages my financial reputation. Such inaccuracies mislead creditors and can directly affect my ability to secure loans or credit. Immediate correction is required to maintain the integrity of my credit profileXXXX XXXX XXXX Open Date: XXXX | High Balance: XXXX XXXX  Late Payment\nThe late payment information listed here is incorrect. I have consistently made on-time payments, and the false reporting misrepresents my financial behavior. I request that this account be corrected to reflect accurate payment history and remove any misleading negative reporting.XXXXDPT ED/XXXX XXXX  | Open Date: XXXX | High Balance: XXXX | Late Payment\nI have never made late payments on this account. The reported delinquency is false and creates an inaccurate portrayal of my financial responsibility. Misreporting like this can lead to higher loan interest rates, credit denials, and unwarranted financial stress. I demand immediate correction to accurately reflect my payment historyXXXX XXXX | Open Date: XXXX | High Balance: XXXX | Collection\nI have never opened or authorized this account. Reporting it as a collection is completely false and misleading. This inaccurate reporting harms my credit score, misrepresents my financial responsibility, and could result in loan denials or higher interest rates. I demand immediate deletion of this account from my credit report to prevent ongoing harmXXXX XXXX  | Open DateXXXX XXXX XXXX High Balance: XXXX XXXX  Collection\nI have no knowledge of this account, nor have I authorized it. Reporting it as a collection is fraudulent and damaging to my credit profile. The presence of this account falsely implies financial irresponsibility and misleads creditors. Immediate removal is required to correct this error and restore the accuracy of my credit reporXXXX XXXX XXXX | Open Date: XXXX XXXX High Balance: XXXX XXXX  Collection\nI have never opened this account. Reporting it as a collection is entirely inaccurate and misleading. Such misinformation negatively impacts my creditworthiness and can prevent me from obtaining loans or favorable interest rates. I demand immediate deletion of this account from my credit reportXXXX XXXX XXXX XXXX Inquiry: XXXX did not authorize this credit inquiry. Its appearance on my report is unauthorized and violates my rights under the FCRA. Unapproved inquiries can negatively impact my credit score and mislead lenders about my credit-seeking behavior. I request removal of this unauthorized inquiryXXXX XXXX  | Inquiry: XXXXThis inquiry was not authorized by me. Its presence on my credit report is inaccurate and may adversely impact my credit score. Immediate deletion is requiredXXXX XXXX Inquiry: XXXX never authorized this credit inquiry. Unauthorized inquiries violate my rights and can affect lending decisions. Immediate removal is requestedXXXX XXXX | Inquiry: XXXX did not authorize this inquiry. Its appearance is unauthorized and misleading. I demand its removal to protect my credit profile.XXXX XXXX XXXX Inquiry: XXXX  did not authorize this inquiry. Its presence on my report is unauthorized and misleading. Immediate removal is requested.\nLegal Reference:\nUnder the Fair Credit Reporting Act (15 U.S.C.  1681i), credit reporting agencies are legally obligated to investigate disputed information, correct inaccuracies, and verify all reported data. Reporting unauthorized inquiries or collections without my consent violates my rights and exposes the reporting agencies to legal liability.\nI expect written confirmation of receipt of this complaint and notification of corrective actions within the 30-day period mandated by 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