Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am filing this complaint regarding inaccurate and unverifiable information being reported on my TransUnion credit report. After carefully reviewing my report, I identified multiple items that do not belong to me, are not recognized by me, or are being reported inaccurately. These errors continue to appear despite my right under the Fair Credit Reporting Act to have only accurate, complete, and verifiable information reported. 
The address listed as XXXX XXXX XXXX XXXX XXXX is not mine. I have no knowledge of this address and have never resided there. Its presence on my credit file is inaccurate and must be deleted immediately. 
The address listed as XXXX XXXX XXXX XXXX XXXX XXXX is also not mine. I have no association or history with this address, and it should not be appearing on my credit report. I am requesting its prompt removal.

The account reported by XXXX XXXX ( XXXXXXXX XXXX XXXX ), opened on XX/XX/XXXX, showing a high balance of {$420.00} with late payment history, is being reported inaccurately. The late payment information does not reflect correct or verifiable payment history and must be corrected or removed.

The XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) account, opened on XX/XX/XXXX, with a reported high balance of {$680.00} and charged-off status, is not recognized by me. I have no knowledge of this account, and TransUnion must conduct a proper investigation and delete or correct this entry. 
The account reported by XXXX XXXX ( XXXXXXXX XXXX XXXX ), opened on XX/XX/XXXX, with a high balance of {$1300.00} and charged-off status, is not mine. I do not recognize this account, and its reporting is inaccurate and unverifiable. 
The XXXX ( XXXXXXXX XXXX XXXX ) account, opened on XX/XX/XXXX, showing a high balance of {$100.00} and a charge-off status, is not an account I recognize. This item must be fully investigated and removed if it can not be properly verified. 
The student loan account reported by XXXX ( XXXXXXXX XXXX XXXX XXXX ), opened on XX/XX/XXXX, with a high balance of {$3500.00} and late payment history, is being reported inaccurately. The late payment history does not accurately reflect my records and must be corrected. 
The additional XXXX ( XXXXXXXX XXXX XXXX XXXX  ) account, opened on XX/XX/XXXX, with a high balance of {$6000.00} and late payment history, is also being reported inaccurately. Any incorrect late payment reporting must be corrected or removed after proper reinvestigation. 
The account reported by XXXX  ( XXXXXXXX XXXX XXXX  ), opened on XX/XX/XXXX, with a high balance of {$500.00} and a charge-off status, is not recognized by me. I have no knowledge of this account and request its deletion unless full verification is provided. 
The collection account reported by XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX  ), opened on XX/XX/XXXX, with a balance of {$620.00}, is not mine. I do not recognize this debt, and it must be deleted if it can not be properly validated. 
The collection account from XXXX XXXX ( XXXXXXXX XXXX  ), opened on XX/XX/XXXX, with a balance of {$140.00}, is not recognized by me. This account does not belong to me and should not be reported on my credit file. 
The account reported as XXXX  ( XXXXXXXX XXXX XXXX ), opened on XX/XX/XXXX, showing a high balance of {$0.00} with late payment history, is inaccurate. Any late payment reporting associated with this entry is incorrect and must be corrected or removed. 
I am requesting that TransUnion conduct a full and lawful reinvestigation of each item listed above, verify the accuracy of the information with competent evidence, and promptly delete or correct any information that can not be fully verified. I also request written confirmation of the actions taken as a result of this complaint.

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