Consumer complaint received 2025-03-28 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: WA

Complaint narrative:
Dear CFPB, I am requesting a reconsideration of my complaint against XXXX XXXX ( case # XXXX ), which was closed without proper justification. The case was dismissed under the assumption that this loan was a business loan that I personally guaranteed, and thus outside the scope of the CFPB 's jurisdiction. I respectfully ask for the CFPB to review the following key facts that were overlooked in the closure decision : Unauthorized Loan and Failure to Verify My Identity XXXX XXXX issued a loan in my name without my knowledge or consent. The loan was applied for and executed by my business partner without my approval or authorization. Despite my business partner signing the loan, I did not consent to or approve this action, and I was UNAWARE that the loan was being applied for in my name and used. XXXX XXXX failed to properly verify my identity, and standard verification processes ( such as photo ID, live verification, or checking with me directly ) were not followed. This is an unauthorized loan and should be treated as such, regardless of its intended use for the business. 

Mismatched IP Address The IP address used to sign the loan agreement does not match mine, further proving that the loan was not applied for by me. This critical discrepancy directly challenges the legitimacy of the loan application and supports the claim of fraud. The failure to address this evidence of unauthorized activity is a significant oversight in the decision to close the case. 

Incorrect Reporting on My Personal Credit The loan was incorrectly reported on my personal credit file, including my business address and my business partner 's phone number. This is a significant violation of credit reporting laws, as personal credit reports should reflect personal financial data, not business information. The incorrect reporting and the unauthorized loan have caused substantial harm to my credit and financial reputation. These errors need to be corrected immediately. 

Misleading Communication and Lack of Transparency After I contacted Headway Capital for clarification on the loan, they failed to provide complete documentation or clarity on its origin. When they transferred the loan to XXXX XXXX XXXX, they demanded payment from me despite my repeated explanations that I did not authorize the loan. This lack of transparency, combined with their refusal to provide critical loan records, has caused unnecessary confusion and distress.

Summary of Submitted Evidence : IP address discrepancy ( which proves I did not sign the loan agreement ) Credit report showing business details on my personal credit file Loan agreement highlighting discrepancies Official documentation of my business ownership I urge the CFPB to take immediate action to investigate this matter thoroughly and hold Headway Capital accountable for their actions. I have suffered considerable harm, and I believe XXXX XXXX 's actions warrant further investigation. 

Thank you for your attention to this matter. I request that you confirm how this will be addressed and what steps will be taken moving forward.

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 explanation