Consumer complaint received 2025-11-24 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:
Dear CFPB, I am submitting this complaint regarding numerous inaccurate, fraudulent, and unverifiable items appearing on my credit report. These items are causing significant harm to my creditworthiness and must be investigated and corrected immediately. Some accounts are entirely unknown to me, while others report false late payments, charge-offs, and collections. 
Below is the full list of disputed items : XXXX XXXX, XXXX, TX XXXX Wrong Address This address has never been associated with me. Reporting an incorrect address is misleading and constitutes inaccurate information on my credit file. I demand immediate correction. 
XXXX XXXX Account XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280000.00} Issue : Late Payment I have never made late payments on this account. Reporting a late payment is false, damaging, and misleading. I demand that the account history be corrected to reflect accurate, on-time payment records. 
XXXX XXXX Account XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$750.00} Issue : Charge Off I have no knowledge of this account and do not recognize it. Reporting this as a charge-off is inaccurate and fraudulent. I demand its deletion from my credit report immediately. 
XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Late Payment This late payment is reported in error. I have never been late on this account. Please correct the record immediately. 
XXXX Account XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Late Payment I dispute this late payment as completely inaccurate. I request correction to reflect accurate payment history. 
XXXX XXXX Account XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Charge Off I do not recognize this account and dispute the charge-off. It must be removed from my credit report immediately. 
XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$12000.00} Issue : Late Payment I dispute this late payment. The reported status is false, and I demand correction to reflect accurate account history. 
XXXX XXXX  Account XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$26000.00} Issue : Charge Off I have no knowledge of this account. Reporting it as a charge-off is completely false. Immediate deletion is requested. 
XXXX XXXX Account XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Issue : Charge Off I dispute this account entirely. I do not recognize this account, and the charge-off is incorrect. Please remove it immediately. 
DEPTED/XXXX  Account XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$82000.00} Issue : Late Payment I have never made a late payment on this account. Reporting a late payment here is incorrect and must be corrected immediately. 
XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$7700.00} Issue : Charge Off I do not recognize this account. The charge-off is inaccurate and must be deleted immediately. 
XXXX Account XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2800.00} Issue : Charge Off This account is not mine. Reporting a charge-off here is false and damaging. Immediate removal is requested. 
XXXXXXXX XXXX Account XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$950.00} Issue : Collection I dispute this collection account entirely. I have no knowledge of this debt. It must be removed immediately. 
XXXX XXXX  Account XXXX Date Opened : XX/XX/XXXX Balance Owed : {$370.00} Issue : Collection I do not recognize this account. Reporting it as a collection is inaccurate and must be deleted immediately. 
XXXX XXXX Account XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$700.00} Issue : Collection I dispute this collection. It is entirely inaccurate, and I demand immediate deletion. 
Hard Inquiries XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize all of these inquiries. Reporting unauthorized hard inquiries is a violation of my rights under the FCRA. I request immediate removal of all unauthorized inquiries. 
These inaccuracies and fraudulent items are harming my credit score and financial reputation. I demand the CFPB to conduct a full investigation and ensure all incorrect items are corrected or deleted immediately. Please provide written confirmation of the investigation results.

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