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 Team, I am submitting this formal complaint regarding numerous inaccurate, unverifiable, and fraudulent entries on my credit report. These entries include wrong addresses, late payments, charge-offs, collections, and unauthorized inquiries, all of which are negatively affecting my credit. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and demand immediate investigation, correction, or deletion of these items. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX These addresses have been incorrectly linked to my credit profile and must be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$1800.00} I have no knowledge of this account being delinquent. Reporting it as a charge-off is inaccurate and misleading. 
XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance Owed : {$670.00} This account has been falsely reported as a charge-off. Immediate correction or removal is required. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$630.00} This account has been reported inaccurately as a charge-off. I dispute this entry completely. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance Owed : {$2000.00} I do not recognize this account. Its reporting as a charge-off is entirely false. 
XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Falsely reported as a charge-off and must be removed. 
XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$3400.00} I dispute this charge-off. There is no record of delinquency under my name. 
XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance Owed : {$0.00} Late payment reporting is inaccurate. I never missed any payment for this account. 
Total XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance Owed : {$410.00} This account has been falsely reported as late. Immediate correction is required. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance Owed : {$1000.00} Incorrect late payment reported. I demand an immediate investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$370.00} This account has been inaccurately reported as late. Please correct the history. 
XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance Owed : {$0.00} Falsely reported as late. I dispute this record and demand correction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Duplicate inaccurate late payment reporting. XXXX removal or correction required. 
XXXX / XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} This account has been falsely reported as late. I never missed a payment and demand immediate correction. 
XXXX / XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance Owed : {$0.00} Duplicate inaccurate late payment reporting. Immediate correction required. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$660.00} I have no knowledge of this account. Reporting it as a collection is false and must be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$3100.00} This account is inaccurately reported. Immediate deletion demanded. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance Owed : {$820.00} I dispute this collection. There is no valid record linking me to this debt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$1400.00} False collection entry. Immediate removal required. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance Owed : {$1100.00} Duplicate collection entry, which is inaccurate and unverifiable. 
Hard Inquiries ( Unauthorized or Inaccurate ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX  XX/XX/XXXX I did not authorize or initiate these inquiries, and they are negatively impacting my credit. All unauthorized inquiries must be removed immediately. 
Demand for Action I demand that all inaccurate, fraudulent, or unverifiable entries be investigated immediately. Any accounts or inquiries that can not be verified must be deleted from my credit report. Reporting false information violates the FCRA, and I reserve the right to escalate this matter to legal authorities, including the FTC. 
Please confirm receipt of this complaint and provide a detailed response with your investigation results. I expect swift action to ensure my credit report reflects only truthful, verifiable 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 non-monetary relief