Consumer complaint received 2025-11-19 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:
I am filing a formal complaint against the credit bureaus and the furnishers listed below for repeatedly reporting inaccurate, unverifiable, duplicate, unauthorized, and non-permissible information on my credit report, directly violating the Fair Credit Reporting Act ( FCRA ) and causing severe financial and personal hardship. I have disputed these items multiple times and the bureaus failed to properly investigate as required under FCRA 611. Below are the accounts and inquiries that are being falsely reported and must be addressed immediately.

DISPUTED ACCOUNTS ( SECOND ROUND REINVESTIGATION REQUEST ) XXXX  Acct : XXXX * High Balance : {$4400.00} Date Opened : XX/XX/XXXX Status : Charge-Off I have no knowledge of this alleged charge-off account, have never received any contractual agreement, statement, billing notice, or validation proving that I owed this debt. This account is being reported inaccurately and without any supporting documentation. Under FCRA 611 & 609 ( a ) ( 1 ), provide full validation or delete this tradeline immediately. 
XXXX Acct : XXXX * High Balance : {$1800.00} Date Opened : XX/XX/XXXX Status : Charge-Off This account is not mine, and I never opened nor authorized this tradeline. No creditor has provided any signed contract, application, or proof linking me to this debt. Until proper documentation is produced, this account must be removed for being inaccurate and unverifiable. 
XXXX Acct XXXX XXXX High Balance : {$5100.00} Date Opened : XX/XX/XXXX Status : Charge-Off I have no record or knowledge of this account. If a charge-off is being reported, provide : Original signed contract Complete payment history Proof of ownership & balance calculation Since none has been provided, this tradeline is unverified and must be deleted. 
XXXX Acct : XXXX * High Balance : {$3400.00} Date Opened : XX/XX/XXXX Status : Charge-Off This alleged account is being reported incorrectly. I never received validation, billing statements, or proof that I owed this debt. Until verifiable documentation is produced, this account must be removed for failure to comply with FCRA reporting standards. 
XXXX Acct : XXXX * High Balance : {$2500.00} Date Opened : XX/XX/XXXX Status : Charge-Off I dispute this account in its entirety. The reporting is inaccurate, unverified, and not supported by any real evidence. Unless you provide full documentation including signed credit application and complete account history, this tradeline must be deleted immediately.

REQUEST FOR CFPB ACTION I request that the CFPB : 1. Force the credit bureaus to conduct a real reinvestigation as required by FCRA 611.

2. Require all furnishers to provide legal evidence : Original signed application Complete payment history Proof of ownership ( chain of title ) Validation notices 3. Delete all unverifiable accounts and unauthorized inquiries.

4. Take regulatory action against any furnisher or bureau failing to comply with federal law. 
CONSUMER IMPACT These inaccuracies have caused denials of credit, higher interest rates, loss of financial opportunities, emotional distress, and reputational damage. I am requesting the CFPBs immediate intervention, as the bureaus have repeatedly failed to correct these errors even after disputes.

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