Consumer complaint received 2025-05-12 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: MI

Complaint narrative:
I am filing a formal complaint against one or more consumer reporting agencies ( CRAs ) for violations of the Fair Credit Reporting Act ( FCRA ), including failure to maintain accurate and verifiable personal information, collections reporting, and public records in my credit report. Despite my previous attempts to dispute inaccurate, outdated, and unverifiable information directly with the CRAs, they have failed to take appropriate corrective action in accordance with the FCRA and Metro 2 compliance standards.

Issue 1 : Inaccurate Personal Information My credit report contains several inaccuracies in my personal information, including addresses, employer listings, and name variations that are incorrect, outdated, or unverifiable : Incorrect and Outdated Addresses : XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX  XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX, MI XXXX None of the above addresses are valid for my current or previous residency. Some are not deliverable by the United States Postal Service. I have no association with these addresses and they are inaccurate representations of my identity. 

Correct Address : XXXX XXXX XXXX XXXX XXXX, XXXX, Michigan, XXXX Incorrect Employers Listed : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX These employers are either misrepresented or outdated and should not appear in my credit profile. 

Incorrect Names : XXXX XXXX XXXX XXXX XXXX Correct Name : XXXX XXXX XXXX These incorrect name entries are erroneous and not reflective of my true legal identity. 

Issue XXXX : Unverified or Inaccurate Collection Accounts The following collection accounts have been reported without sufficient validation, and I formally dispute their accuracy and completeness : XXXX - Account # : XXXX Status : Charged off / Transferred Balance : {$0.00} Alleged Date Opened : XX/XX/XXXX Request : Verify the legitimacy and open date ; remove if unverifiable. 
XXXX - Account # : XXXX Balance : {$1400.00} Last Reported : XX/XX/XXXX Request : Verify if the debt belongs to me ; remove if unsupported. 
XXXX XXXX - Account # : XXXX Balance : {$220.00} Last Reported : XX/XX/XXXX Request : Confirm ownership and provide validation ; remove if not legally substantiated. 
XXXX XXXX - Account # : XXXX Balance : {$52.00} Last Reported : XX/XX/XXXX Request : Investigate and validate with signed documentation ; remove if unverifiable. 
In each case, the reporting agency has failed to provide adequate documentation to support these accounts. I formally request removal if validation can not be produced. 

Legal Basis for Complaint Under the Fair Credit Reporting Act ( FCRA ), I have the right to : Dispute inaccurate, incomplete, or unverifiable information. 
Request reinvestigation of disputed items within 30 days. 
Receive written proof of account ownership and reporting authority. 
Expect accurate and compliant data reporting under Metro 2 format and CDIA guidelines.

The reporting of outdated, incorrect, and unverifiable information on my credit profile constitutes a clear violation of these rights. The presence of these inaccuracies and unsupported claims affects my creditworthiness and could expose me to identity fraud.

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