Consumer complaint received 2025-11-20 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: TN

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act ( FCRA 602A, 604, 609, 611 & 615 ) and request immediate attention to the following inaccurate and harmful credit reporting by Equifax, Experian, and TransUnion I am demanding a full reinvestigation and proper validation for each item listed below if you can not provide verified proof of these accounts they must be deleted immediately these inaccurate entries are causing financial harm and negatively impacting my creditworthiness I expect CFPB to take action and ensure my rights are fully protected XXXX XXXXXXXX Acct XXXX High Balance : {$650.00} Date Opened : XX/XX/XXXX Status : Late Payment Issue : I am disputing this because I never made any late payments this information is incorrect and must be corrected to Paid As Agreed/ Never Late unless you provide full documentation proving otherwise XXXX XXXX High Balance : {$66.00} Date Opened : XX/XX/XXXX Status : Late Payment Issue : This late payment is false I was never late and the reporting is inaccurate please correct the payment history or provide complete verification as required under FCRA 611 XXXX Acct XXXX High Balance : {$2300.00} Date Opened : XX/XX/XXXX Status : Charge Off Issue : I have no knowledge of this account I never opened authorized or used this account and I request immediate deletion unless you can provide full legal validation including the original contract with my signature XXXX XXXX Acct XXXX High Balance : {$250.00} Date Opened : XX/XX/XXXX Status : Late Payment Issue : This late payment does not belong to me I never made any late payments and I request correction to Never Late or proper documentation supporting your claim XXXX Acct XXXX High Balance : {$19000.00} Date Opened : XX/XX/XXXX Status : Charge Off Issue : I have no knowledge of this account this is not mine and must be removed unless you provide valid proof including full account history and original signed documents XXXX Acct XXXX High Balance : {$400.00} Date Opened : XX/XX/XXXX Status : Collection Issue : This appears to be a duplicate account of the previous SpringOaks account duplicate reporting is illegal under FCRA please delete the duplicate immediately XXXX XXXX Acct XXXX High Balance : {$960.00} Date Opened : XX/XX/XXXX Status : Collection Issue : This is also a duplicate collection reporting of the same XXXX account duplicate reporting must be removed immediately I C System Acct XXXX High Balance : {$190.00} Date Opened : XX/XX/XXXX Status : Collection Issue : I have no knowledge of this collection I never received any validation under FDCPA and FCRA this must be removed for failure to validate XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX High Balance : {$4600.00} Date Opened : XX/XX/XXXX Status : Late Payment Issue : This late payment is incorrect I never made any late payments please correct the reporting or provide proper supporting documents I expect CFPB to investigate these items and ensure that all inaccurate and unverified accounts are corrected or removed failure to act violates my federal rights and causes ongoing harm I request written confirmation of resolution and any supporting documents used to verify these accounts

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