Consumer complaint received 2025-11-26 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: NC

Complaint narrative:
This is an official complaint regarding multiple inaccurate, unverified, unauthorized, and unlawfully reported items appearing on my credit report. I am filing this complaint because the credit bureaus and creditors listed below have repeatedly failed to comply with the Fair Credit Reporting Act ( FCRA ), including 15 USC 1681e ( b ), 1681i, and 1681b. I am demanding a full investigation, enforcement action, and correction of all inaccurate items listed below, including false late payments, unauthorized inquiries, and unverified accounts. These items are harming me financially and are being reported without proper verification, documentation, or permissible purpose. I am requesting immediate CFPB intervention.

Wrong addresses remove immediately XXXX XXXX XXXX, XXXX, tn XXXX wrong address This address does not belong to me in any way. I have never lived there, never used this address in any application, and never provided this to any creditor. Reporting a wrong address puts my identity at risk and violates the accuracy requirements under FCRA 1681e ( b ). Remove this address immediately. 
Accounts with false, unverified, unauthorized, or incorrect information XXXX XXXX XXXX XXXX XXXX High balance : {$710.00} Date opened : XX/XX/XXXX Status : charge off I have no knowledge of this account. This is not mine. I never applied for it, never approved it, never signed for this debt, and this account can not be verified to belong to me. Under FCRA 1681i, you must delete any account that can not be verified with full documentation, including original application and signature. Delete this immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX High balance : {$1000.00} Date opened : XX/XX/XXXXXXXX  Status : late payment The late payment reporting is false. I never made any late payments on this account. You are reporting wrong payment history and damaging my credit profile without any verified records. FCRA requires accurate payment reporting. Fix this by correcting the payment history to paid as agreed or on-time, as the current reporting is wrong and unverified. 
XXXXXXXX XXXX XXXX XXXX XXXX High balance : {$280.00} Date opened : XX/XX/XXXXXXXX  Status : late payment The reported late payment is wrong and unlawful. I made on-time payments and never received any notice of delinquency. If the report can not be verified with full payment history documents, you must correct it. Fix the payment history to reflect on-time payments. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX High balance : {$680.00} Date opened : XX/XX/XXXXXXXX  Status : late payment The late payment information is false. I never made any late payment on this account. You are required by law to report only accurate and verified information. This report is incorrect, misleading, and violating FCRA 1681e ( b ). Correct the history immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX High balance : {$780.00} Date opened : XX/XX/XXXXXXXX  Status : late payment The payment history you are reporting is incorrect. I did not make a late payment and there is no verified proof of delinquency. Until you can provide validated records, you must correct it to paid as agreed. Fix this now. 
XXXXXXXX XXXX XXXX XXXX XXXX  High balance : {$800.00} Date opened : XX/XX/XXXX Status : late payment The late payment reporting is completely wrong. I never made a late payment and this negative mark is damaging my credit. You have no legal right to report unverified information. Fix by correcting the history immediately. 
XXXX XXXX XXXX XXXX XXXX High balance : {$120.00} Date opened : XX/XX/XXXXXXXX  Status : late payment The late payment being reported is completely false. I did not make any late payment on this account and there is no validated record that shows any delinquency. If you can not provide full payment logs and proof of actual late activity, this information must be corrected under FCRA 1681e ( b ). Fix the payment history immediately and remove the inaccurate negative mark. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High balance : {$520.00} Date opened : XX/XX/XXXXXXXX  Status : late payment This late payment entry is inaccurate and unverified. I made payments on time and never received any notice of delinquency. If verification can not be produced, you are required to correct the payment history under FCRA accuracy standards. Update this account and remove the false late payment information. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX High balance : {$17000.00} Date opened : XX/XX/XXXXXXXX  Status : late payment The late payment you are reporting is wrong. I have no verified record of being late and this appears to be a reporting error. You must validate with complete statements and transaction records. Until verified, you must correct the entry and remove the negative reporting as required by FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High balance : {$520.00} Date opened : XX/XX/XXXX Status : late payment This is another inaccurate late payment entry. I dispute this fully because I paid on time and there is no factual, documented, or legally validated evidence showing I was late. Correct the payment history immediately and remove the false reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX High balance : {$500.00} Date opened : XX/XX/XXXXXXXX  Status : late payment This reported late payment is false and damaging. I dispute the accuracy of this information because I never paid late. Under FCRA 1681i, unverified or incorrect negative information must be corrected. Fix the payment history now. 
Hard inquiries unauthorized/ unverified/ must be removed XXXX Inquiry date : XX/XX/XXXX I did not authorize this inquiry. I did not apply for credit with this company on the date reported, and no permissible purpose exists. FCRA 1681b requires a valid consumer-initiated purpose. Remove this inquiry immediately. 
XXXX XXXX XXXX date : XX/XX/XXXX This is an unauthorized inquiry. I never permitted this company to access my credit report. This violates FCRA permissible purpose rules. Delete this inquiry immediately. 
XXXX XXXX date : XX/XX/XXXX I did not authorize or initiate any application that would allow this inquiry. This is unverified and must be removed as it violates federal consumer protection laws. Delete this immediately. 
Requested action from CFPB I am requesting that the CFPB fully investigate all creditors and credit bureaus involved, require them to provide verified and legally valid documentation, and enforce immediate correction of all false late payments, unverified accounts, and unauthorized inquiries. If creditors can not produce original proof of late payments or proof of my consent for inquiries, they must be required to correct or delete the information as required by federal law. These errors are causing financial harm, affecting my creditworthiness, and violating my FCRA rights. I request the CFPB to intervene and enforce compliance.

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