Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau Representative, I am submitting this complaint because several inaccurate and unauthorized items are being reported on my credit reports by the credit bureaus and furnishers listed below. These errors include collection accounts, false late payment reporting, and unauthorized hard inquiries that I did not approve. Despite my attempts to resolve these issues directly with the credit reporting agencies, the information remains incorrect and continues to harm my credit reputation. 
Incorrect Address XXXX XXXX XXXX, XXXX, TX XXXX This address is incorrectly listed on my credit file. I have never lived at or been associated with this address. Please remove it immediately as it does not belong to me. 
Inaccurate Account Information XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | High Balance : {$480.00} Issue : Charge-off I have no knowledge of this account being charged off. Please verify this entry with full documentation from the original creditor or remove it if it can not be verified. 
XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | High Balance : {$730.00} Issue : Charge-off This charge-off status is inaccurate. I request a full reinvestigation and deletion if verification can not be provided. 
XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | High Balance : {$2800.00} Issue : Late Payment This account incorrectly shows late payments. I have never made late payments and request correction of my payment history to reflect on-time payments. 
XXXX XXXX AccounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | High Balance : {$25000.00} Issue : Late Payment I dispute the reported late payment status. I have made consistent on-time payments and request verification or correction to show accurate reporting. 
XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | High Balance : {$1300.00} Issue : Collection I have no knowledge of this alleged account. Please verify with original documentation or remove this item if it can not be validated. 
XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | High Balance : {$500.00} Issue : Collection This account is unfamiliar to me. I request complete validation from the original creditor. If proper verification can not be provided, please delete this entry from my credit report. 
XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | High Balance : {$1800.00} Issue : Collection I do not recognize this account and have not received any supporting documentation. Please investigate and delete this item if it can not be fully verified. 
XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | High Balance : {$22000.00} Issue : Late Payment I dispute the reported late payments. I have never been late on this account. Please verify with payment history records and correct the reporting to reflect accurate, on-time payments. 
XXXXXXXX  Account XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | High Balance : {$2000.00} Issue : Late Payment This late payment status is incorrect. I request verification with full documentation. If not verifiable, please update the account to reflect an accurate payment record. 
Unauthorized XXXX Inquiries The following inquiries appear on my credit report without my authorization. I did not apply for credit with these entities on the listed dates. Under FCRA 604, inquiries made without a permissible purpose must be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I request that all of the above unauthorized inquiries be removed immediately, as they were made without my consent or legitimate credit application. 
Requested Action I am requesting the CFPBs assistance to ensure that : XXXX. The credit bureaus ( XXXX, XXXX, TransUnion ) perform a full reinvestigation of all the accounts listed above. 
XXXX. Any unverified or unauthorized accounts and inquiries be immediately deleted from my credit reports. 
XXXX. Creditors and collectors furnish complete documentation to prove the accuracy of the reporting ; otherwise, they must be directed to cease reporting. 
XXXX. All furnishers involved comply with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) as applicable. 
Summary These inaccurate and unauthorized items have caused significant harm to my credit standing and financial well-being. I am asking for the CFPBs help in investigating these violations and ensuring the credit bureaus and data furnishers correct or remove all false information. 
Thank you for your attention and assistance in resolving this matter promptly. 

This dispue was made by me so dont send me any stall letters! This is not a mere request : its a non-negotiable demand. The identified items are unrelated to me as a consumer. I insist that you promptly take action to rectify this massive error within XXXX DAYS from the receipt of this notice, Understand that I except WRITTEN response confirming the completion of the block and deletion process. Any delay or inaction on your part will not be tolerated, and I am prepared to take appropriate legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ).

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