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:
This is a formal complaint against multiple debt collectors and furnishers who are knowingly reporting inaccurate, unverifiable, duplicate, unauthorized, and identity-mixed information to the credit bureaus in violation of FCRA 602, 604, 607 ( b ), 609, 611, 623 and FDCPA 807 and 809. These companies have failed to provide any proof, contract, validation, billing history, or documentation showing that these accounts belong to me despite my repeated disputes with the credit bureaus. I am submitting this complaint because the reporting is damaging, false, and has no legal basis. Below is the list of the specific accounts I am disputing and the issues connected to each one. 
Account Disputes With Detailed Issues XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Reported as Late Payment, which is impossible because a {$0.00} balance account can not be late. I never made late payments on this account. Your reporting is materially inaccurate under FCRA 602 and 607 ( b ). Provide full payment history and method of verification under FCRA 609 ( a ) ( 1 ) ( A ) or delete. 
XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$65000.00} Also reported as Late Payment but I dispute this completely. I never received any notice, statement, or delinquency communication. No late payment ever occurred. This is negligent reporting and must be corrected to Paid/On-time immediately under FCRA 623 ( a ) ( 2 ). 
XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$680.00} Reported as Charge-off. I have NO knowledge of this account and did not authorize this debt. There is no contract, no application, no signature, and no record proving this belongs to me. Under FCRA 611 and 604 ( a ) ( 2 ) this must be deleted for lack of permissible purpose and unverifiable information. 
XXXX AccounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$350.00} Reported as Charge-off, but I dispute ownership entirely. I never opened this account, never received billing statements, and never made purchases. This appears to be identity-mixed or fraudulent. Provide all documentation including original signed application per FCRA 609 or delete immediately. 
XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$60.00} Reported as Late Payment, which is inaccurate. I MADE NO LATE PAYMENTS. I dispute your reporting as it violates FCRA 623 ( a ) ( 1 ) ( A ). Correct the payment history to never late or delete the entire tradeline for failure to verify. 
XXXX  Account XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Reported as Late Payment, but this is impossible. A {$0.00} balance account can not be delinquent. You are reporting completely false information. Remove or correct under FCRA 607 ( b ) immediately. 
XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00} Reported as Late Payment, which I dispute. I never missed payments and have no record of any delinquency. You are reporting inconsistent data across bureaus, which is further evidence of inaccuracy. Correct this account or delete under FCRA 611. 
XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Reported as Charge-off but this is incorrect. I never missed payments, and a {$0.00} balance account can not be charged off. This is factually impossible and must be removed immediately as inaccurate. 
XXXX XXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$330.00} Another XXXX  account that I do NOT recognize. This is likely a duplicate or manufactured account with incomplete data. Reported information is inconsistent and unverifiable. Please remove under FCRA 607 ( b ). 
XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$56.00} I have no knowledge of this debt. Provide full documentation or remove immediately under FCRA XXXX. 
XXXX AccounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$89.00} This appears to be a duplicate of the XXXX XXXX account listed earlier. Duplicated derogatory data inflates negative scoring and violates FCRA 607 ( b ). Must be deleted. 
XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$99.00} Another duplicate version of an already-disputed XXXX XXXX account XXXX No validation has been provided. Remove immediately. 
XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$90.00} Same pattern again. Duplicate, unverifiable, no contract, no notice. Must be deleted. 
XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$88.00} This account has inconsistent dates compared to the other entries showing the same balance and creditor. This further proves a mixed file or inaccurate reporting. Delete under FCRA 607 ( b ) and 611. 
XXXX Account XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$840.00} I dispute this entire collection. I have NO knowledge of this account and never received any validation, billing, or notice. No signed contract, no proof of services, no chain-of-custody. This reporting violates FCRA 607 ( b ) and FDCPA 809. Delete immediately. 
XXXX XXXX  Account XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$330.00} I do not recognize this debt. XXXX has not provided any validation or original contract. Mixed file or fraudulent activity is highly likely. Remove under FCRA XXXX. 
XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$830.00} This account is disputed in full. I have never received a statement, collection notice, or proof of ownership. This is unverified and must be deleted. Under FCRA 604 you can not report without permissible purpose. 
XXXX XXXX  AccounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$390.00} I have no knowledge of this account. No validation has ever been provided and reporting appears inconsistent across bureaus. This is inaccurate and must be deleted immediately. 
XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$100.00} I dispute this completely. There is no contract, no application, and no agreement that proves this debt belongs to me. You must remove this under FCRA 607 ( b ). 
XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$450.00} This is a duplicate of the LVNV account listed above. You are reporting the same debt twice with different balances. This is illegal, misleading, and violates FCRA 607 ( b ) for accuracy. Delete immediately. 
XXXX Account XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$500.00} I dispute this collection. I have zero knowledge of this account, have not received validation, and have no record of any contract with this company. This appears to be fraudulent or identity-mixed reporting. Remove under FCRA 611 and FDCPA 809. 
REQUEST FOR RELIEF FROM CFPB I am requesting the following : XXXX. Full investigation into each furnisher listed. 
XXXX. Immediate deletion of all disputed and unverified accounts. 
XXXX. Removal of all unauthorized hard inquiries. 
XXXX. Enforcement action against any company violating FCRA or FDCPA. 
XXXX. Written confirmation of the results mailed to me. 
These inaccurate entries have caused financial harm, credit score damage, and emotional distress. I am asking the CFPB to ensure these furnishers comply with federal law and stop reporting false 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