Consumer complaint received 2025-11-18 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: AR

Complaint narrative:
I am writing to formally dispute several inaccuracies appearing on my credit reports, which, after careful and meticulous review, have been identified as significantly misrepresenting my actual financial history, personal information, and responsible credit behavior, thereby creating a distorted portrayal of my financial reliability that may adversely affect my ability to access credit, secure housing, or even maintain employment opportunities that rely on accurate credit reporting. Upon reviewing my XX/XX/XXXX and TransUnion reports, I discovered that multiple items, including my residential addresses and late-closed accounts, have been reported inconsistently, incompletely, and inaccurately, creating confusion and concern regarding the integrity of my credit profile. Specifically, my reports list my addresses as XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX, neither of which correspond to my verified and current residences, and the inclusion of these incorrect addresses raises serious questions about the proper identification of my accounts, the potential misattribution of accounts from other consumers, and the risk of identity confusion that could unfairly affect my credit evaluations. This inaccurate reporting of personal information directly violates FCRA XXXX ( a ) ( XXXX ), which obligates furnishers to report accurate dates and relevant information, as well as FCRA XXXX ( a ) ( XXXX ) ( A ), which mandates that all information provided to consumer reporting agencies be accurate, complete, and properly verified. 
In addition, my credit reports reflect late-closed accounts from XXXX XX/XX/XXXX ending XXXX and XXXX BANK ending XXXX XXXX both showing a XXXX balance, yet these accounts are inaccurately reported in a manner that does not correctly reflect the timing, status, or proper closure, despite my verified records confirming that all payments were made in accordance with the original agreements and that these accounts were closed in good standing without any delinquencies. This misrepresentation is deeply concerning because it may suggest negative credit behavior where none exists, thereby influencing lenders and other financial institutions decisions based on inaccurate data, and constitutes a violation of FCRA XXXX ( a ) ( XXXX ) and XXXX ( b ), which require furnishers to investigate, correct, and update any information found to be inaccurate. 
The cumulative effect of these errors, incorrect addresses combined with improperly reported late-closed accounts, creates a fragmented, misleading, and distorted credit profile that does not reflect my verified financial responsibility, potentially resulting in wrongful credit denials, elevated interest rates, denial of rental applications, or other adverse financial consequences. Each inaccurate address increases the risk that accounts may be attributed to my file erroneously, and each late-closed account misrepresents my payment history and responsible management of credit obligations, undermining my credibility with lenders and other entities that rely on these reports for critical financial decisions. 
Given these discrepancies, I request that each disputed item be thoroughly reinvestigated directly with the original creditors or furnishers, with verification of account status, closure dates, balances, and any related information, and that all inaccuracies be corrected promptly across all three credit bureaus to ensure consistency, accuracy, and reliability of my credit profile. I also request a detailed written report of the results of your reinvestigation, including the names, addresses, and contact information of each entity contacted during the verification process, to provide transparency and documentation of your compliance with federal law. Accurate reporting is essential to maintain my financial reputation, prevent misrepresentation, and ensure full compliance with FCRA XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ) ( A ), XXXX ( a ) ( XXXX ), XXXX ( b ), and all applicable provisions under the Fair Debt Collection Practices Act as they relate to accurate reporting and verification of consumer information.

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 explanation