Consumer complaint received 2025-11-15 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: AL

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX ATTN : XXXX XXXX XXXX President & Chief Executive Officer ( CEO ) XXXX XXXX XXXX Executive Vice President, Chief Financial Officer ( EVP, CFO ). 
XXXX XXXX XXXX XXXX Vice President, Chief Legal Officer ( General Counsel ; legal, risk, compliance oversight ). 
XXXX XXXX XXXX Executive Vice President, Chief Operations Officer. 
XXXX XXXX Executive Vice President, Chief Technology, Data & Analytics Officer. 
XXXX XXXX XXXX Executive Vice President, Chief Global Solutions Officer Date : XX/XX/XXXX Re : Formal consumer dispute and demand for escalated reinvestigation ( FCRA 611, 623 ; 15 U.S.C. 1681i, 1681s-2 ) Reinvestigation Requirement or 616/617 Civil Liability Formal Escalation Failure to Comply with FCRA 611 ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DOB : Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : I hereby dispute the accuracy and/or completeness of the item ( s ) listed below on my TransUnion consumer file. I am the consumer and I filed this dispute directly. TransUnion must treat this as a direct consumer dispute and follow the reinvestigation procedures set forth in the FCRA. If TransUnion claims a third-party submitted this dispute, produce contemporaneous proof of that claim or proceed with reinvestigation. Legal Information InstituteDisputed items ( exact text from report ) : XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Validate/inaccurate reported late payments. 
XXXX. Under 15 USC 1666b this is a billing error I always paid as agreed on Time. This is an error. 
Account in violation. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX * Validate/inaccurate reported late payments. 
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX Account Number : XXXXXXXX XXXX XXXX  Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX  XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXXnot his/hers XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. XXXXnot his/hers XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX  This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX Account Number : XXXXXXXX XXXX XXXX  Please remove it from my credit report. 
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
XXXX. 001-not his/hers XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit.XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
- Dispute items and explanation Legal obligations & requested actions : Pursuant to 15 U.S.C. 1681i, TransUnion must conduct a reasonable reinvestigation and delete unverifiable information. I demand that TransUnion escalate this dispute to its Special Investigations / Legal / Compliance team for supervisory review and provide written confirmation of escalation and subsequent findings. Legal Information Institute Under 15 U.S.C. 1681s-2, after TransUnion transmits the dispute to the furnisher, the furnisher must investigate and report results. I demand TransUnion provide the furnishers full response, copies of any documents the furnisher relied upon, the e-OSCAR/ACDV exchange , and XXXX codes used to verify the account. Legal Information Institute+1 Specific records requested ( produce within statutory period ) : Complete copy of any ACDV/e-OSCAR message TransUnion sent to the furnisher and the furnishers complete response ( attachments included ). Include XXXX codes/values and any documentation attachments. XXXX XXXX XXXX Identity and contact information for the furnisher and the date TransUnion provided the furnisher notice of the dispute and the date TransUnion received the furnishers response. 
Any internal notes, chain-of-custody logs, or vendor reports relied upon to verify the disputed account. 
Third-party disputes and resellers : If TransUnions basis for denying or delaying this dispute is that a third-party submitted it, provide TransUnions submission logs proving that assertion ( portal ID, user identity, IP address, phone record, or signed document ). If none exists, treat this dispute as a direct consumer dispute and proceed. 
Remedy requested : If the furnisher can not substantiate the account with verifiable, contemporaneous documentary evidence connecting the account to me, I demand deletion. If TransUnion verifies, provide a copy of the exact documents relied upon and explain how those documents establish the account as mine. 
Certification : I certify under penalty of perjury that I am the consumer named herein and that the facts in this dispute are true and correct. 
Sincerely, XXXX XXXX XXXX : copy of TransUnion credit report page ( s ) ; copy ID ; proof of address ; supporting documents ; certified mail slip. ( Copy : XXXX XXXX XXXX, CEO ; TransUnion Chief Compliance Officer ; TransUnion Legal

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