Consumer complaint received 2025-08-26 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: MO

Complaint narrative:
I have requested for credit monitoring agencies Equifax and Transunion to both investigate and remove several negative and impactful inquiries as well as accounts that I have either paid an agreed upon settlement for removal of negative information on my credit reports. 
I have launched several disputes with both of the above mentioned bureaus and have even spoke with multiple representatives to request that the following negative information be removed without prejudice due to 1 ) .Fraud and Identity Theft ( parental use of credit accounts in an attempt to gain credit access for vehicles without my said and expressed permission ) as well as 2 ). I have requested complete removal of accounts that I have recently paid for a settlement for removal of negative impactful information from my credit report. 
Despite all of the above efforts as well as submitting letters to the bureaus to request removal of all said and mentioned negative information that is being reported, I have been redirected to either contact each credit company and/or to file a consumer complaint about these issues. 
I am asking the CFPB to step in and investigate the two above mentioned bureaus and per FCRA make these bureaus adhere and remove all said and mentioned negative accounts/inquiries mentioned due to Fraud/identity theft and settled for removal letters which I will attach. 
Equifax : Please remove the following for said and stated reasons : 1 )XXXX XXXX XXXX XXXX XXXX  : Collections account for {$1400.00} was recently settled for removal on XX/XX/XXXXXXXX See attached image for proof. 
Note : Equifax recently updated the balance on this account to {$0.00}, but the fair and equitable resolution would be XXXX XXXX from my credit report. 
2 ). 2 HARD INQUIRIES which were not authorized by me : XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Transunion : Please remove the following for said and stated reasons : 1 ). XXXX XXXX XXXX XXXX  : Collections account for {$1400.00} was recently settled for removal on XX/XX/XXXXXXXX See attached image for proof. PLEASE DELETE ACCOUNT! 

XXXX ). XXXX XXXX XXXX : this debt was sold to XXXXXXXX XXXX XXXXl and was recently paid via settlement for deletion on XX/XX/XXXX. SEE ATTACHMENT AS PROOF. PLEASE DELETE ACCOUNT! 

XXXX ). XXXX, XXXX. Payment for full amount of {$310.00} was sent XX/XX/XXXX. SEE ATTACHMENT AS PROOF. PLEASE DELETE ACCOUNT! 

XXXX ). XXXX XXXX XXXX XXXX : This account was recently paid via settlement for deletion on XX/XX/XXXX. SEE ATTACHMENT AS PROOF. PLEASE DELETE ACCOUNT! 

Lastly : 8 HARD INQUIRIES which were not authorized by me : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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