Consumer complaint received 2025-11-11 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: ME

Complaint narrative:
I am filing this complaint because there are multiple inaccurate and unverifiable items being reported on my credit reports with the XXXX major credit bureaus ( XXXX XXXX XXXX TransUnion ). These errors include wrong addresses, incorrect late payment history, and unauthorized hard inquiries. I have previously attempted to resolve these issues directly with the credit bureaus, but they have failed to properly investigate and correct the inaccurate information as required by the Fair Credit Reporting Act ( FCRA ). 
Personal Information Errors XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address These addresses are inaccurate and have never been associated with me. Please delete them from my file as they appear to be the result of mixed or merged credit information. 
Account Information Errors XXXX Acct : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Reported as Late Payment Details : I have never made any late payments on this account. The reporting of delinquency is false and must be corrected to reflect an accurate payment history. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Reported as Late Payment Details : No late payments were ever made. Please correct this error and ensure the account is accurately reported. 
XXXX Acct : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Reported as Late Payment Details : I dispute this reporting as inaccurate. Please verify with proper documentation or remove the late mark immediately. 
XXXX XXXX XXXX  Acct : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$150.00} Issue : Reported as Late Payment Details : This reporting is inaccurate ; I was never late on this account. Please update my report accordingly. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$12000.00} Issue : Reported as Late Payment Details : I dispute this reporting as false. I have proof of timely payments. Please update this to reflect a perfect payment record. 
Hard Inquiry Errors These inquiries were not authorized by me or were the result of inaccurate reporting. Under the FCRA 604, no one may access my credit file without a permissible purpose. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries must be removed immediately as they were made without my authorization or proper verification. 
Requested Resolution I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate the matter and ensure that : All wrong addresses are permanently removed from my credit file. 
All inaccurate late payment notations are corrected or deleted if they can not be fully verified. 
All unauthorized or unverified hard inquiries are removed immediately. 
The credit bureaus comply with FCRA 611 by providing a detailed investigation and evidence of verification for each disputed item.

These errors have negatively affected my credit score, ability to obtain credit, and overall financial reputation. I am requesting the CFPB to take action to hold the credit bureaus accountable for failing to maintain accurate and verifiable records.

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