Consumer complaint received 2025-09-01 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: GA

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ), I am filing this complaint regarding multiple inaccuracies and unauthorized items appearing on my consumer credit report. These errors are causing significant harm to my financial stability, my ability to obtain housing, employment, and credit opportunities. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit report, and I request immediate assistance from the CFPB to investigate and enforce compliance with federal law. 

Wrong Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Law : FCRA XXXX ( b ) requires maximum accuracy in consumer reports, and FCRA XXXX requires deletion of unverifiable information. 
XXXX : This address does not belong to me and has never been my residence. By attaching this address to my credit file, you are misrepresenting my identity and creating a false credit history. This wrongful association could expose me to identity theft and has already caused confusion when applying for credit. Since you can not verify this as my actual address, you are legally required to delete it. 

Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Law : FCRA XXXX states that inaccurate information must be deleted if it can not be verified. FCRA XXXX ( b ) enforces maximum possible accuracy. 
Story : I have no connection whatsoever to this address. Continuing to report it after my prior disputes shows that you have not reinvestigated in good faith. Keeping this false address on my report is damaging and misleading, suggesting I have lived at locations I never occupied. This misreporting is unlawful and must be corrected immediately. 

Account : Capital XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} Late Payment Law : FCRA XXXX requires disclosure of the full method of verification. FCRA XXXX requires deletion of inaccurate or unverifiable accounts. FCRA XXXX ( b ) demands maximum accuracy. 
XXXX : This account is being reported with late payments that are inaccurate and harmful. You have failed to provide proper verification in previous disputes, and continuing to report derogatory payment history without legal proof is a direct violation of my rights. Inaccurate late payments lower my score unfairly and affect my ability to secure credit and housing. Unless you can provide original signed agreements and full payment history that legally validates the late reporting, you are required under federal law to delete this account from my file. 

Inquiry : XXXX CO XX/XX/XXXX XXXX : FCRA XXXX demands permissible purpose and consumer authorization. 
Story : I did not authorize this inquiry, and I never sought any financial service from XXXX. Reporting this inquiry is damaging because it suggests that I applied for retail credit, which is untrue. Each unauthorized hard inquiry contributes to lowering my score and paints a false picture of my financial behavior. It is misleading to lenders, harms my credibility, and creates unnecessary obstacles when applying for legitimate credit. This inquiry is unlawful and must be deleted. 

XXXX : XXXX of XXXX XX/XX/XXXX Law : FCRA XXXX requires authorization for all inquiries. 
XXXX : This inquiry is fraudulent, unauthorized, and harmful. I never attempted to finance or purchase a vehicle through XXXX of XXXX. By including this inquiry, you are misrepresenting my financial actions, creating confusion, and lowering my score unfairly. This unauthorized access to my credit file is a violation of my rights, and it must be deleted immediately. 

I am respectfully requesting that the Consumer Financial Protection Bureau ( CFPB ) step in to enforce my rights under the Fair Credit Reporting Act. These errors and unauthorized activities are severely harming my financial health, opportunities for credit, and overall quality of life. I am asking the CFPB to require the credit bureaus and furnishers to conduct a lawful reinvestigation, provide written proof of verification if they intend to continue reporting, or otherwise delete the inaccurate and unverifiable information immediately. My demand is for full compliance with FCRA, protection against future violations, and correction of all disputed items listed in this complaint.

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