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 filing this formal complaint against the credit reporting agencies and the furnishers listed below for repeatedly reporting inaccurate, unverified, and unauthorized information on my consumer report, in direct violation of the Fair Credit Reporting Act ( FCRA ) 602, 603, 604, 605, 607 ( b ), 609, 611, and 623, and for failure to maintain the highest standards of accuracy. I am demanding a full CFPB investigation, immediate verification with admissible documentation, and deletion of all unverified, inaccurate, or unauthorized entries. I am the victim of irresponsible reporting, mixed-file errors, and inquiries that I never approved. I have repeatedly disputed these mistakes, yet the CRAs continue to verify without providing the legally required method of verification or proof bearing my signature. I am being financially harmed because of their negligence. Below are the specific items I am disputing : WRONG ADDRESSES REMOVE IMMEDIATELY UNDER FCRA 609 ( a ) & 611 XXXX XXXXXXXX XXXX  XXXX, TX XXXX Wrong Address This address has never belonged to me, I never lived here, never received mail here, never used it for credit, and its presence is clear evidence of a mixed file ; permanently remove it. 
XXXX XXXX, XXXX, TX XXXX Wrong Address Completely inaccurate ; I have no history here and reporting this violates your duty under FCRA 609 ( a ) to maintain correct personal identifying information. 
ACCOUNT DISPUTES XXXX  XXXX Acct XXXX High Balance : {$420.00} | Date Opened : XX/XX/XXXX Late Payment reporting is false ; I made all payments on time ; provide original timestamped payment logs, billing cycles, and posted transactions ; unverifiable negative data must be corrected to Never Late. 
XXXX Acct XXXX High Balance : {$420.00} | Date Opened : XX/XX/XXXX I never made any late payments ; no notices, warnings, or delinquency communication were ever provided ; correct the entire payment history immediately. 
XXXX Acct XXXX XXXX XXXX : {$480.00} | Date Opened : XX/XX/XXXX The alleged late payment is unverified ; no proof exists of missed payments, no records of communication, no billing statements ; remove the negative mark and correct the history. 
XXXX XXXX Acct XXXX High Balance : {$320.00} | Date Opened : XX/XX/XXXX This account is inaccurately reporting late payments ; I never missed or delayed a payment ; provide proof or correct to Paid as Agreed. 
XXXX Acct XXXX High Balance : {$300.00} | Date Opened : XX/XX/XXXX Late payment reporting is completely incorrect ; no payment was ever late ; update the account to reflect accurate on-time history. 
XXXX Acct XXXX High Balance : {$530.00} | Date Opened : XX/XX/XXXX False late payment reporting ; furnishers must show real evidence ; if they can not, you must correct the record under FCRA 607 ( b ). 
XXXX  XXXX XXXX Acct XXXX High Balance : {$100.00} | Date Opened : XX/XX/XXXX I do not recognize, acknowledge, or own this account ; no contract, communication, or relationship exists ; remove it as unverified. 
XXXX Acct XXXX High Balance : {$400.00} | Date Opened : XX/XX/XXXX I have no knowledge of this account, never applied for it, never signed any contract, never received any statements, and no verified relationship exists ; this appears to be mixed-file or fraudulent reporting; under FCRA 611 any unverified information must be deleted immediately. 
XXXX XXXX  Acct XXXX High Balance : {$18000.00} | Date Opened : XX/XX/XXXX I do not recognize this account, never financed a vehicle through this company, never signed any documentation, and was never notified of any obligation ; provide original signed contract or delete entirely ; failure to verify violates FCRA 623 ( a ) ( 1 ) ( A ). 
XXXX XXXX Acct XXXX XXXX XXXX High Balance : {$32000.00} | Date Opened : XX/XX/XXXX This reporting is false ; I never purchased any vehicle from this company, never opened any account, and do not acknowledge any debt owed to them ; there is no proof this belongs to me ; delete immediately as required under FCRA 607 ( b ). 
XXXX Acct XXXX High Balance : {$390.00} | Date Opened : XX/XX/XXXX I never lived at any address serviced by this utility, never opened the account, never agreed to any service terms, and have no connection whatsoever ; this is identity contamination ; remove immediately under FCRA 609 ( a ) & 611. 
XXXX Acct XXXX High Balance : {$340.00} | Date Opened : XX/XX/XXXX The late payment reporting is completely false ; I never paid late and was never notified of any delinquency ; there is no proof of a missed payment ; update the history to Pays as Agreed Never Late because negative information without proof violates FCRA 623 ( a ). 
XXXX Acct XXXX High Balance : {$590.00} | Date Opened : XX/XX/XXXX This appears to be a duplicate, inaccurate, and unverified collection ; I do not owe this and never opened any account related to it ; duplicates violate FCRA 607 ( b ) and must be removed. 
XXXX Acct XXXX High Balance : {$780.00} | Date Opened : XX/XX/XXXX This is another duplicate collection entry that does not belong to me ; no validation has ever been provided ; remove immediately as unverified and duplicative reporting. 
XXXX XXXX  Acct XXXX High Balance : {$640.00} | Date Opened : XX/XX/XXXX I dispute this entire account because I have no knowledge of it ; XXXX frequently purchases unverified junk debt and reports it without proof ; unless you provide the original contract, itemized statements, and chain of title, this must be deleted under FCRA 611. 
XXXX Acct XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$30000.00} The late payment reporting on this account is completely false ; I did not miss any payments and no valid notice of delinquency was ever provided to me ; there is no proof, no billing statement showing lateness, and no documented payment failure ; reporting incorrect derogatory information violates FCRA 623 ( a ), therefore update the account to Pays As Agreed Never Late. 
XXXX XXXX Acct XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$230.00} This late payment status is inaccurate and unsupported ; I never paid late, never received any delinquency notice, and no verifiable evidence exists to justify negative reporting ; furnishers are required under FCRA 623 ( a ) ( 1 ) ( A ) to report accurate information only ; update the payment history to reflect Never Late.

INQUIRIES UNAUTHORIZED / EXCESSIVE/ NOT PERMISSIBLE UNDER FCRA 604 ( a ) ( All credit inquiries listed below are disputed because I did not authorize these pulls, I did not apply for credit with these companies at these times,
and no permissible purpose exists. Any inquiry without my written or electronic consent is a violation of FCRA 604 ( a ) ( 2 ) and must be removed immediately. ) XXXX XX/XX/XXXX I never initiated any credit request with this entity, did not grant permission, and this inquiry was made in error. Must be deleted as unauthorized. 
XXXX XXXX XX/XX/XXXX This pull was not authorized ; I did not apply for any loan on this date and no permissible purpose exists. Remove immediately. 
XXXX XXXX XXXX XX/XX/XXXX I did not authorize this inquiry ; this is an impermissible access of my credit file. Delete under FCRA 604. 
XXXXXXXX XXXX XXXX  XX/XX/XXXX I did not authorize this inquiry and was not applying for financial aid or loans ; this access is impermissible and must be removed. 
XXXX XXXX XXXXXX/XX/XXXX I did not apply for credit with any lender using this service; this inquiry was unauthorized. Must be removed. 
XXXX  XX/XX/XXXX I did not authorize this pull and did not submit any auto loan application. Remove immediately. 
XXXX  XXXX XX/XX/XXXX I never applied for credit with this lender ; this inquiry was made without permission. Delete. 
XXXX XXXX XXXXXX/XX/XXXX Unauthorized pull ; I did not consent to any credit application. Remove.

I am demanding : 1. Full reinvestigation under FCRA 611.

2. Method of verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

3. Copies of any documents bearing my signature proving I authorized these inquiries.

4. Immediate deletion if proof can not be produced.

5. Removal of all false late payment reporting.

6. Correction of all inaccurate data.

7. Enforcement action for repeated noncompliance by CRAs and furnishers.

These inaccurate entries have caused me financial loss, higher interest rates, application denials, and emotional distress. I am requesting immediate CFPB intervention to ensure the reporting agencies comply with federal law. I certify that all statements made in this complaint are true to the best of my knowledge and request urgent action.

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