Consumer complaint received 2025-11-21 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:
This is a formal complaint against multiple credit reporting agencies and debt collectors for reporting inaccurate, unverified, duplicate, and unauthorized information on my credit report. I am requesting the Consumer Financial Protection Bureau to investigate these violations under FCRA 602 ( A ), 604, 607 ( B ), 611, and FDCPA standards. The agencies and furnishers listed below are reporting false collections, wrong information, and unauthorized inquiries without any permissible purpose or proper validation. 
XXXXXXXX XXXX XXXXXXXX, TX XXXX This address is not mine and I have never lived here. Including this on my credit file is causing a mixed identity situation and violates FCRA 607 ( B ). Please delete immediately because leaving this address on my file continues to create false account associations that are damaging my credit. 
XXXX XXXX XXXX, TX XXXX I have never used or resided at this location. This incorrect address shows someone else 's information has been added to my file. This creates risk of inaccurate reporting and identity confusion. Remove immediately under FCRA regulations. 
XXXX XXXX XXXX, TX XXXX This address is completely unrelated to my identity. I have no ties to this property and its presence on my report is unacceptable and inaccurate. It proves a mixed file error and must be deleted from all bureaus without delay. 
Account Disputes More Detailed Content Added XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Balance : {$0.00} | Charge-Off I have absolutely no connection with this account. I never applied for credit with this company and never received any contract, terms, billing statements, or notices. This charge-off is clearly incorrect and must be removed due to lack of verification. I demand full validation including signature proof, original application, and full payment records. If you can not provide this, delete immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Balance : {$550.00} | Charge-Off This account is completely unfamiliar. I never entered any financial relationship with XXXX XXXX No verified documents, statements, or original agreement were ever provided to me. This account is being falsely attributed to me and violates FCRA 611 as there is no evidence tying me to this debt. I dispute ownership and demand complete deletion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment The late payment reporting is false because I never made late payments with any account from this lender. The payment history is inaccurate and does not match any record I have. This reporting is harming my credit score unlawfully and needs to be corrected immediately to reflect on-time payment or removed entirely if validation can not be produced. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$2300.00} | Charge-Off This charge-off is incorrect because I do not recognize this account. No contract, signature, or any proof has ever been shown that links me to this account. This is either identity confusion or improper reporting. Without full documentation, this must be deleted under FCRA 602 ( A ) as it is damaging my credit through inaccurate reporting. 
XXXXXXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$490.00} | Charge-Off I have no knowledge of this loan or account. I never opened any credit line with this company. This is either fraud or a mixed-file mistake. If you can not provide the original signed application and complete payment history, you are legally required to delete this account. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Balance : {$680.00} | Charge-Off This appears to be a duplicate unauthorized account. I never had multiple accounts with this lender. The reporting is inaccurate and misleading. No creditor has proven that this account belongs to me. Delete it immediately due to lack of verification and duplication concerns. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | XXXX : {$0.00} | Late Payment The late payment history is false. I did not make any late payments because I never had an account with this creditor. Reporting a late payment for an account that is not mine is a violation of FCRA 607 ( B ). Correct this information immediately or delete the account. 
XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$920.00} | Collection This account is completely unfamiliar. I never opened any account that XXXX XXXX could legally collect. They have failed to provide itemized statements, contracts, or any proof of ownership. This collection is inaccurate, unverified, and must be deleted from my credit report. 
XXXX XXXXXXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$0.00} | Collection This is reporting as a collection with a balance of {$0.00}, which is already incorrect and misleading. I never had any account with this company. This false and unverified entry must be deleted immediately due to lack of validation and inaccurate reporting under FCRA 607 ( B ). 
XXXXXXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$520.00} | Late Payment This late payment reporting is inaccurate. I never paid late because I never opened any account with this lender. There is no proof tying me to this account. The history is false and damaging my credit unlawfully. Correct or remove immediately per FCRA 611. 
XXXX XXXXXXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$340.00} | Late Payment I dispute this late payment because I have no record of ever having a XXXX  account. No statements, terms, or documents have ever been provided. The late payment status is completely false and must be corrected or deleted immediately due to lack of verification. 
XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$980.00} | Collection This collection is not mine and I dispute it in full. I never did business with XXXX XXXX and there is no agreement or contract linking me to this debt. No validation has been provided. Under FCRA and FDCPA, this inaccurate entry must be removed immediately. 
XXXX XXXX XXXXXXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$690.00} | Collection This appears to be a duplicate or re-reported account, which is illegal without proper notice. I have no knowledge of this account and XXXX has failed to provide any verification. This inaccurate duplicate collection must be deleted immediately. 
XXXXXXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | Balance : {$590.00} | Collection This is another duplicate of the same XXXX XXXX XXXX  account and is unlawfully reported. I dispute this entire account because it is not mine. No validation, no contract, no original creditor proof. This duplicate must be deleted immediately under FCRA 611 and 607 ( B ). 
XXXX XXXX XXXXXXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | Balance : {$460.00} | Collection XXXX  is reporting a debt that is not mine. They have provided no validation, no itemized breakdown, and no original creditor contract. This is inaccurate and unlawful reporting. Delete immediately due to lack of verification. 
XXXX XXXX XXXX * * | Date Opened : XX/XX/XXXX | Balance : {$450.00} | Collection I dispute this account in its entirety because I have no relationship with this alleged debt. XXXX has not shown any proof of ownership or contract. This account is unverified and must be deleted under FCRA law. 
XXXX XXXX XXXXXXXX XXXX  | Date Opened : XX/XX/XXXX | Balance : {$630.00} | Collection This collection is completely unknown to me. XXXX has a history of inaccurate reporting and has not provided any contractual evidence or statements. Without validation from the original creditor, this item must be deleted immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$920.00} | Collection I fully dispute this account because I have no knowledge of it and XXXX  has never provided any original creditor paperwork. I never received a contract, billing statements, or proof linking me to this debt. This appears to be an unverified, possibly purchased debt with no legal documentation. Under FCRA 611 and FDCPA validation requirements, this account can not remain unless verified with original application, complete payment history, and authentic creditor records. Delete immediately due to lack of proof. 
XXXX XXXXXXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | Balance : {$730.00} | Collection I dispute this collection in its entirety. XXXX XXXX has not shown any evidence that this debt belongs to me. No signed agreement, no original creditor validation, and no itemized statement have ever been presented. This is an inaccurate and unverified collection reporting and is causing harm to my credit. If you can not produce full validation and detailed documentation, then you must delete this account immediately under FCRA 602 ( A ) and 607 ( B ).

HARD INQUIRY DISPUTES Unauthorized, No Permission, No Application Filed XXXX XXXX XXXX | Inquiry Date : XX/XX/XXXX I dispute this inquiry because I did not authorize XXXX XXXX to pull my credit on this date. I did not apply for any loan, financial product, or service that requires my credit to be accessed. This inquiry is unauthorized and must be removed immediately because it violates FCRA permissible purpose requirements. 
These items are harming my credit, lowering my score, and violating my consumer rights. None of these collection accounts have been validated with original signed agreements, billing statements, or itemized proof. All inquiries listed above were done without my consent and violate FCRA 604 for permissible purpose. The credit bureaus have failed to conduct proper reinvestigation under FCRA 611.

I am requesting the CFPB to investigate these companies, remove these inaccurate and unauthorized items from my credit report, and ensure full compliance with federal law. Please provide confirmation and results of the investigation.

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