Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding serious inaccuracies in my credit report that are causing significant harm to my financial reputation and credit standing. The accounts in question are the XXXX negatively reporting XXXX XXXX accounts and the XXXX XXXX account. # # # Specific Issues 1. * * Fraudulent Accounts * * The credit reporting agency is currently reporting accounts that do not belong to me. These unauthorized accounts are : - Not associated with any of my personal credit applications - Do not reflect any legitimate financial transactions I have made - Appear to be completely erroneous and potentially fraudulent XXXX. * * Incorrect Payment Status * * Despite the accounts not being mine, the agency is reporting these accounts as late, which is causing additional damage to my credit score. Specifically : - Accounts are marked as delinquent - Reported late payment status is entirely fabricated - These false late payments are negatively impacting my credit rating # # # Requested Actions I demand the following immediate actions : XXXX. * * Complete Removal of Fraudulent Accounts * * - Immediately investigate and remove all accounts that do not belong to me- Provide written confirmation of the account removals - Correct any negative credit reporting associated with these accounts 2. * * Credit Report Correction * * - Conduct a thorough review of my entire credit report - Remove all incorrect late payment notations- Provide me with an updated credit report showing the corrections XXXX. * * Documentation * * I request copies of all documentation used to verify these accounts, including : - Original credit application documents - Proof of debt verification - Any communication trail related to these accounts. I've made several attempts to formally dispute inaccurate and unverifiable information appearing on my credit report. This dispute is submitted pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Truth in Lending Act ( 15 U.S.C. 1601 ), which require that all consumer credit information be reported accurately, transparently, and verifiably. The following account ( XXXX ) are being disputed : DISPUTED ACCOUNTS : XXXX. XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Balance Reported : {$11000.00} ( as of XX/XX/year> ) Dispute Reason : This account is unverified and reported inaccurately. As a third-party collection, the reporting entity can not legally verify the original debt. If this account can not be verified with original creditor documentation, it must be deleted from my credit file. XXXX. XXXX XXXX XXXX Account Number : XXXX Account Type : Debt Buyer Balance Reported : {$4200.00} ( as of XX/XX/year> ) Dispute Reason : This account is unverified and reported inaccurately. As a third-party debt buyer, the reporting entity can not legally verify the original debt. If this account can not be verified with original creditor documentation, it must be deleted from my credit file. XXXX. XXXX XXXX XXXX Account Number : XXXX Account Type : Debt Buyer Balance Reported : {$470.00} ( as of XX/XX/year> ) Dispute Reason : This account is unverified and reported inaccurately. As a third-party debt buyer, the reporting entity can not legally verify the original debt. If this account can not be verified with original creditor documentation, it must be deleted from my credit file. XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Balance Reported : {$62.00} ( as of XX/XX/year> ) Dispute Reason : This account is unverified and reported inaccurately. As a third-party collection, the reporting entity can not legally verify the original debt. If this account can not be verified with original creditor documentation, it must be deleted from my credit file. XXXX. XXXX XXXX XXXX Account Number : XXXX Account Type : Debt Buyer Balance Reported : {$680.00} ( as of XX/XX/year> ) Dispute Reason : This account is unverified and reported inaccurately. As a third-party debt buyer, the reporting entity can not legally verify the original debt. If this account can not be verified with original creditor documentation, it must be deleted from my credit file. XXXX. XXXX XXXX XXXX Account Number : XXXX Account Type : Debt Buyer Balance Reported : {$1200.00} ( as of XX/XX/year> ) Dispute Reason : This account is unverified and reported inaccurately. As a third-party debt buyer, the reporting entity can not legally verify the original debt. If this account can not be verified with original creditor documentation, it must be deleted from my credit file. XXXX. XXXX XXXX XXXX Account Number : XXXX Account Type : Debt Buyer Balance Reported : {$110.00} ( as of XX/XX/year> ) Dispute Reason : This account is unverified and reported inaccurately. As a third-party debt buyer, the reporting entity can not legally verify the original debt. If this account can not be verified with original creditor documentation, it must be deleted from my credit file. In addition Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c ), most negative items, including charge-offs, must be removed 7 years + 180 days from the first missed payment that was never brought current. I am requesting that they conduct a full investigation into these items and provide proper documentation verifying their accuracy. If the information can not be fully verified with original creditor documentation, I demand that it be deleted from my credit file immediately. Please provide me with written confirmation of the results of your investigation within the timeframe required by law.

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