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: TX

Complaint narrative:
I am filing this complaint because multiple inaccurate, unverified, duplicate, and unauthorized items are being reported on my credit report by the credit bureaus and several data furnishers. These accounts and inquiries do not belong to me, were never authorized by me, were never validated, and are being reported in violation of FCRA 15 USC 1681i, 1681e ( b ), 1681s-2, and FCRA 604. I have attempted to dispute these items with the bureaus, but they continue to appear without any proper investigation or documentation. These inaccurate items are severely damaging my credit, preventing me from obtaining housing, transportation, and financial stability. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX WRONG ADDRESS I have never lived at this address, never used it on any application, never had utilities or bills there, and this is proof that my credit file has been mixed with another person, therefore you must remove this address immediately because it violates FCRA 607 ( B ). 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX WRONG ADDRESS I do not recognize this address and have no personal or financial history connected to it, this is an inaccurate linkage that is corrupting my report and must be deleted immediately. 
XXXX  Acct XXXXXXXX XXXX  Date Opened XX/XX/XXXX Balance {$0.00} LATE PAYMENT ( FALSE ) * * I have never made any late payments on this account, your reporting is completely inaccurate and damaging, therefore you must correct this entry to NEVER LATE because you can not report false late history under federal law. 
XXXX XXXX XXXX Acct XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} CHARGE OFF ( NOT MY ACCOUNT ) * * I have no knowledge of this account, never applied, never opened anything with this company, and there is no possible contract or agreement connected to me, therefore this entire account must be deleted because it is fraudulent and unverifiable. 
XXXX XXXX XXXX  Acct XXXXXXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$0.00} LATE PAYMENT ( FALSE ) * * I was never late on this account, the reporting is inaccurate and must be corrected because false negative payment history is illegal to report under FCRA 607 ( B ). 
XXXX XXXX XXXX Acct XXXX * Date Opened XX/XX/XXXX Balance {$0.00} LATE PAYMENT ( FALSE ) * * This is a false late payment entry, I was never delinquent and your records are incorrect, therefore you must correct this immediately. 
XXXX XXXX XXXX Acct XXXX * Date Opened XX/XX/XXXX Balance {$0.00} LATE PAYMENT ( FALSE ) * * This late payment report is inaccurate, not supported by any documentation, and must be corrected to reflect my proper on-time history. 
XXXX XXXX Acct XXXX * Date Opened XX/XX/XXXX Balance {$0.00} LATE PAYMENT ( FALSE ) * * You are reporting a late payment that never occurred, this is harmful and must be corrected to maintain accuracy. 
XXXX Acct XXXX * Date Opened XX/XX/XXXX Balance {$0.00} LATE PAYMENT ( FALSE ) * * This reported late payment is untrue, I never missed any payments and your reporting is harming me, you must correct this immediately under FCRA 607 ( B ) because you can not report false negative data. 
XXXX Acct XXXX * Date Opened XX/XX/XXXX Balance {$0.00} LATE PAYMENT ( FALSE ) * * This is a duplicate late payment entry that is false and damaging, I was never late, and this inaccurate data violates FCRA accuracy standards, so it must be corrected immediately. 
XXXX XXXX  Acct XXXX * Date Opened XX/XX/XXXX Balance {$190.00} COLLECTION ( NOT MY ACCOUNT ) * * I do not recognize this account, never opened anything with this company, never received any bills, and have no contract with XXXX, therefore this collection account is fraudulent and must be deleted under FCRA 611 because you can not verify something that never existed. 
XXXX Inquiry XX/XX/XXXX ( UNAUTHORIZED ) I did not authorize this inquiry, did not apply for any credit with XXXX on this date , and this inquiry should be removed because it was done without my permission. 
I am requesting the CFPB to force the credit bureaus and the furnishers to provide full validation and documentation for each of these accounts and inquiries. If they can not provide legal and verifiable proof, I am requesting that all the listed items be permanently deleted from my credit file. I need this corrected immediately because these errors are blocking me from obtaining essential credit and causing personal and financial harm.

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