Consumer complaint received 2025-12-01 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:
To Whom It May Concern I am submitting this formal complaint regarding multiple inaccurate, unverifiable, and misleading items appearing on my credit report. These items are severely damaging my creditworthiness, financial reputation, and ability to obtain credit. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681e ( b ), and request immediate investigation, correction, or deletion of the items listed below XXXX XXXX XXXX XXXXXXXX  TX XXXX Wrong Address This address is not, nor has it ever been, associated with me. Reporting a wrong address constitutes inaccurate information under FCRA 1681e ( b ) and may suggest identity confusion or fraud. This misreporting has the potential to mislead lenders and other third parties regarding my true residence. 
XXXX XXXX XXXX High Balance : {$15000.00} Date Opened : XX/XX/XXXX Chargeoff I have no knowledge of this account, have never opened it, and have never authorized any activity under this account number. This account may represent identity theft or reporting error. Under FCRA 1681i ( a ) ( 1 ), any unverifiable account must be removed immediately. 
XXXX XXXX XXXX High Balance : {$3700.00} Date Opened : XX/XX/XXXX Late Payment The reported late payments on this account are inaccurate. I have never made late payments on this account, and the reporting fails to accurately reflect my payment history. I demand correction of this account to reflect accurate, on-time payments as per FCRA 1681i. 
XXXX XXXX XXXX XXXX : {$1200.00} Date Opened : XX/XX/XXXX Chargeoff I have no knowledge or record of this account. The charge-off status is unverified and should be deleted immediately. 
XXXX XXXX XXXX High Balance : {$2100.00} Date Opened : XX/XX/XXXX Chargeoff I dispute the validity of this account. I have no record of charges, defaults, or agreement under this account number. Please remove it immediately. 
XXXX XXXXXXXX High Balance : {$2700.00} Date Opened : XX/XX/XXXX Late Payment The reported late payment is false. I have never missed or delayed a payment on this account. Correcting this inaccuracy is critical to prevent continued financial harm. 
XXXX XXXX High Balance : {$5400.00} Date Opened : XX/XX/XXXX Chargeoff I have no knowledge of this account. Any charge-off status reported is false and unverified. Reporting such an account without validation violates FCRA 1681i ( a ) ( 1 ) and must be removed immediately. 
XXXXXXXX XXXX XXXXXXXX High Balance : {$21000.00} Date Opened : XX/XX/XXXX Chargeoff I dispute this account entirely. I have no record of opening this account, nor do I recognize any balance or charge-off. Reporting this account inaccurately harms my credit and constitutes a violation of FCRA 1681i and 1681e ( b ). 
XXXX XXXXXXXX High Balance : {$1200.00} Date Opened : XX/XX/XXXX Late Payment Late payments reported here are inaccurate. I have never missed or delayed payments. Correction is necessary to ensure accurate reporting. 
XXXX XXXX XXXX High Balance : {$1200.00} Date Opened : XX/XX/XXXX Late Payment I dispute the late payment status. This account history is reported incorrectly and must be corrected immediately. 
XXXX XXXX High Balance : {$10000.00} Date Opened : XX/XX/XXXX Late Payment The reported late payment is false. I request immediate correction under FCRA 1681i to reflect my accurate payment history. 
XXXX XXXX XXXX XXXXXXXX High Balance : {$4000.00} Date Opened : XX/XX/XXXX Late Payment I dispute the late payment reporting. My payment history has been timely, and the reported delinquency is inaccurate and misleading. 
XXXX XXXX High Balance : {$55000.00} Date Opened : XX/XX/XXXX Late Payment The reported late payment is false. I demand immediate correction to reflect accurate payment history and prevent further damage to my credit profile. 
XXXX XXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXX Chargeoff I have no knowledge of this account. The charge-off reporting is inaccurate and unverified. XXXX deletion is required under FCRA 1681i ( a ) ( 1 ). 
XXXX XXXX XXXXXXXX High Balance : {$2600.00} Date Opened : XX/XX/XXXX Late Payment The reported late payment is false. I have always made timely payments. Correction is necessary to reflect my true payment history. 
XXXX XXXX XXXXXXXX High Balance : {$990.00} Date Opened : XX/XX/XXXX Late Payment The reported late payment is false. My payment history has been accurate and timely. Correction is required. 
XXXX XXXX XXXX High Balance : {$2600.00} Date Opened : XX/XX/XXXX Collection This account is unverified. I dispute its validity and request immediate deletion. 
XXXXXXXX XXXX XXXXXXXX High Balance : {$6800.00} Date Opened : XX/XX/XXXX Collection I have no record of this account. Collection reporting is inaccurate and must be removed. 
XXXX XXXX XXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXX Collection I have no knowledge of this account. Reporting this collection account without verification is inaccurate and misleading. Immediate deletion is required under FCRA 1681i ( a ) ( 1 ). 
XXXX XXXX XXXX High Balance : {$8100.00} Date Opened : XX/XX/XXXX Collection This collection account is unverified and falsely reported. I dispute its validity and demand immediate removal. 
XXXX XXXX XXXX High Balance : {$640.00} Date Opened : XX/XX/XXXX Collection I have no record or knowledge of this account. Reporting this account is inaccurate and damaging to my credit profile. Immediate deletion is required. 
XXXX XXXX XXXX High Balance : {$1200.00} Date Opened : XX/XX/XXXX Collection I dispute the validity of this account. It is unverified and incorrectly reported. Please remove it under FCRA 1681i ( a ) ( 1 ). 
XXXXXXXX XXXX XXXX XXXX High Balance : {$1200.00} Date Opened : XX/XX/XXXX Collection * * I have no knowledge of this account. Reporting it as a collection is false and misleading. Immediate deletion is required. 
XXXXXXXX XXXX Date : XX/XX/XXXX Inquiry This inquiry is unauthorized. I did not request or authorize this credit pull. Under FCRA XXXX, unauthorized inquiries must be removed immediately. 
XXXX Date : XX/XX/XXXX Inquiry I did not authorize this inquiry. Its reporting is inaccurate and should be deleted promptly. 
XXXX Date : XX/XX/XXXX Inquiry This inquiry is inaccurate and unauthorized. Immediate removal is required under FCRA regulations. 
These inaccurate and unverifiable accounts and inquiries are causing substantial harm to my credit profile. Under FCRA 1681i, I request that all disputed items be investigated, verified, and corrected or deleted. If verification can not be provided, these accounts and inquiries must be removed immediately from my credit file. 
I am attaching copies of my identification and any supporting documentation to assist in your investigation. I expect written confirmation of your findings, corrections, or deletions within the legally mandated 30-day period.

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