Consumer complaint received 2025-09-03 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: AZ

Complaint narrative:
I recently reviewed my credit report and discovered several inaccuracies that raise serious concerns about the integrity of the information being reported. These inaccuracies are not only misleading but may also negatively impact my creditworthiness. I am submitting this formal complaint to request a thorough investigation and correction of the errors described below. This complaint is filed under my rights provided by the Fair Credit Reporting Act ( FCRA ). 

Several addresses have been reported on my credit profile that I have never lived at or been associated with. The presence of these addresses raises the possibility of a mixed file or identity confusion with another consumer. 

Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violations : FCRA 609 ( a ) ( 1 ) : I have the right to know what is in my file.

FCRA 607 ( b ) : Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy.

FCRA 602 ( a ) : Ensures consumer privacy, fairness, and accuracy in credit reporting. 

The following XXXX XXXX account is inaccurately reported as charged-off, despite showing a XXXX balance : Account : XXXX  XXXX ( # XXXX ) Status : Balance {$0.00} Reported as a charge-off Inconsistency : Reported as closed on TransUnion, yet charged off on other bureaus This account is causing confusion, misrepresents my credit profile, and may be damaging my credit score.

FCRA 611 ( a ) : Right to dispute information an
d have unverifiable data removed within 30 days.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers must not report data they know to be inaccurate.

FCRA 607 ( b ) : Requires maximum possible accuracy in credit data.

FCRA 605 ( a ) ( 4 ) : Limits reporting of charge-offs to XXXX  years. 

I discovered hard inquiries on my credit report that I do not recognize or recall authorizing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries may have been conducted without a permissible purpose or my knowledge, which violates my rights.

FCRA 604 ( a ) ( 3 ) : A consumer report may only be accessed with a permissible purpose and, when required, the consumers consent.

FCRA 607 ( a ) : CRAs must have procedures in place to prevent unauthorized access to consumer files.

FCRA 611 ( a ) : Grants consumers the right to dispute inaccurate or unauthorized items.

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