Consumer complaint received 2025-11-19 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:
I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. I have identified multiple inaccuracies and unauthorized entries on my credit report that are severely damaging my financial reputation, creditworthiness, and ability to obtain loans. I request a thorough investigation and immediate corrective action on the following items : Wrong Addresses : XXXX XXXX, XXXX, TX XXXX This address is not current or accurate and should not be associated with my credit history. 
XXXX XXXX, XXXX, TX XXXX XXXX this address is erroneous and violates FCRA 1681i. 
XXXX XXXX, XXXX, TX XXXX I have never resided here ; its presence on my report is incorrect. 
Accounts with Issues : XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$0.00} This account has been reported as a charge-off. I have no knowledge of opening this account. Reporting it as a charge-off is false, misleading, and violates FCRA 1681i. It is damaging my credit and must be deleted immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$0.00} I have never opened this account. The reporting of this charge-off is inaccurate and misleading. FCRA 1681i requires removal of unverifiable or false information. Immediate deletion is requested. 
XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$75.00} I have never authorized or opened this account. Reporting it as a charge-off is inaccurate, misleading, and unlawful. Immediate deletion is requested. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$380.00} I dispute this account entirely. It is falsely reported as a collection. This incorrect reporting is harmful and must be removed immediately. 
XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$2500.00} I have no knowledge of this account. Reporting it as a collection is inaccurate and misleading. Remove immediately under FCRA 1681i. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$750.00} This collection account is falsely reported. I do not recognize this debt, and continued reporting violates FCRA 1681i. Immediate deletion is requested. 
XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$860.00} I have no knowledge of this account. Reporting this collection is false and misleading, causing substantial damage to my credit. Please remove immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$630.00} I dispute this account entirely. I have no record of this debt, and its reporting as a collection is false, misleading, and harmful. Immediate deletion is requested. 
These inaccuracies and unauthorized inquiries have caused significant harm to my creditworthiness, financial opportunities, and personal reputation. Under the FCRA, I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. I request that all disputed accounts and inquiries be investigated, corrected, or permanently deleted, and that I receive written confirmation of the results. 
I also request that CFPB take all necessary action to ensure that my rights are protected, and that the reporting agencies and debt collectors responsible for these inaccuracies are held accountable for violations of federal law. 
Thank you for your immediate attention to this urgent matter.

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