Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing this complaint because multiple companies and credit bureaus have reported inaccurate, unauthorized, duplicated, and unverifiable information on my credit reports. These accounts and inquiries do not belong to me, are reporting wrong balances, and have severely damaged my credit standing. I am requesting CFPBs intervention to investigate, enforce compliance, and require correction or deletion of all inaccurate entries under the Fair Credit Reporting Act ( FCRA ), including 602, 604, 607 ( b ), 609, 611, and 623. 
Below are the disputed items : XXXX XXXX XXXX XXXX, TX XXXX WRONG ADDRESS This address does not belong to me, I have never lived here, used it, or been associated with this location. Reporting this address is a mixed-file violation and creates false association. Delete immediately under FCRA 607 ( b ) for accuracy failure. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX WRONG ADDRESS I have never lived at or used this address. Reporting it is damaging and inaccurate. Remove immediately under FCRA 611. 
ACCOUNT DISPUTES XXXX XXXX XXXX XXXX XXXX  Charge Off Date Opened : XX/XX/XXXX Balance : {$24000.00} * * I have no knowledge of this account. I never opened it, never authorized it, and it is being falsely reported. This is identity-mixing and must be deleted because it can not be verified. 
XXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX Balance : {$750.00} * * I have no knowledge of this account. The reporting is inaccurate, outdated, and unverifiable. Provide full validation or delete. 
XXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX Balance : {$480.00} * * This is not my account. I never made any late payments, never opened this line, and it must be deleted for inaccuracy. 
XXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX Balance : {$0.00} * * This account is wrongly reporting a charge-off, even though the balance is {$0.00}. This is a knowingly inaccurate reporting and violates FCRA 607 ( b ). Remove the entire account. 
XXXX XXXXXXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$310.00} * * This late payment reporting is false. I never missed any payment. Correct the payment history to Paid On Time Never Late. 
XXXX XXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$0.00} * * The late payment is incorrect. I maintained on-time payments during the entire period. Correct the history. 
XXXX XXXXXXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$0.00} * * The reported late payment is inaccurate. I dispute this entry and request correction to reflect an on-time payment history. 
XXXX XXXXXXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$0.00} * * This late payment is wrong. I never made any late payments. Please correct immediately under FCRA 611. 
XXXX XXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$0.00} * * Duplicate late payment reporting. This is inaccurate. Correct to never late. 
XXXX XXXX XXXXXXXX XXXX Charge Off Date Opened : XX/XX/XXXX Balance : {$1300.00} * * I do not recognize this account. Provide validation or delete for failure to verify. 
XXXX XXXXXXXX Charge Off Date Opened : XX/XX/XXXX Balance : {$1700.00} * * I never opened this account. This is fraudulent or mixed-file information. Delete immediately. 
XXXX XXXX XXXX XXXX Collection Date Opened : XX/XX/XXXX Balance : {$1300.00} * * This appears to be a duplicate of the earlier XXXX XXXX entry. Duplicate reporting violates FCRA 607 ( b ). Delete immediately. 
XXXX XXXX XXXX XXXX  Collection Date Opened : XX/XX/XXXX Balance : {$1900.00} * * I have no knowledge of this Portfolio account. This is inaccurate and unverifiable. Remove immediately. 
XXXX XXXX XXXXXXXX XXXX Collection Date Opened : XX/XX/XXXX Balance : {$910.00} * * This is another duplicate LVNV account. Multiple entries for the same alleged debt is illegal reporting. Delete under FCRA 611 for inaccuracy. 
XXXX XXXX XXXXXXXX XXXX XXXX  Collection Date Opened : XX/XX/XXXX Balance : {$740.00} * * This matches a previous XXXX  account and is duplicate. This is harmful and inaccurate. Delete immediately. 
HARD INQUIRY DISPUTES ( You did NOT authorize remove immediately ) XXXX XXXX XX/XX/XXXX Inquiry Unauthorized hard inquiry. I never applied for any XXXX XXXX  on this date. 
XXXX XX/XX/XXXX Inquiry I did not authorize this pull. Remove under FCRA rules. 
XXXX XXXX XX/XX/XXXX Inquiry Unauthorized credit pull. Remove immediately. 
XXXX XXXX  XX/XX/XXXX Inquiry I never applied with this lender. This inquiry is fraudulent. Delete. 
XXXX XXXX XX/XX/XXXX Duplicate Inquiry Duplicate unauthorized pull. Must be removed under FCRA 607 ( b ). 
XXXX XXXX XXXX XX/XX/XXXX Inquiry I did not authorize this inquiry. Remove for failure of permissible purpose. 
SUMMARY OF ISSUES The problems include : Accounts that do not belong to me Duplicated collection accounts Charge-offs reporting incorrect balances Unauthorized hard inquiries Failure to verify accounts when disputed Violations of FCRA 604, 607 ( b ), 609, 611, and 623 These errors are causing major financial harm, denial of credit, and emotional distress. I am requesting CFPB to force the credit bureaus and data furnishers to : 1. Provide complete validation for every reported account 2. Remove all unverifiable, inaccurate, or duplicate items 3. Delete all unauthorized inquiries 4. Correct late payment histories that are reporting inaccurately 5. Ensure compliance with federal consumer protection laws REQUEST FOR CFPB ACTION I am requesting that CFPB : Open a formal investigation Contact the data furnishers and credit bureaus Demand documentation proving the accuracy of each account Require immediate correction or deletion of all reporting errors Enforce penalties for repeated FCRA violations Thank you for your assistance. I am submitting all supporting documents with 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