Consumer complaint received 2025-11-21 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, Consumer Financial Protection Bureau ( CFPB ) I am filing this formal complaint because multiple inaccurate, unverified, and unauthorized items are being reported on my credit reports by the credit bureaus and several furnishers. These accounts do not belong to me, many are fraudulent, others are duplicated, and several hard inquiries and bankruptcies were never authorized. I have repeatedly disputed these items, but the credit bureaus have continued to report them without proper verification, violating FCRA 602, 607, 609, 611, and 615. I am requesting a full investigation into these furnishers and the credit bureaus for failing to provide lawful validation and for continuing to report false information that is harming me financially. 
XXXX XXXX XXXX XXXX  XXXX, TX XXXX Wrong Address I never lived at this residence nor used it for employment, banking, loans, or any official documentation. No mail, no lease, no bills, no connection. This address has been added without my permission and is a serious accuracy violation. 
XXXX XXXX XXXX XXXX  XXXX, TX XXXX Wrong Address This address does not belong to me, and I have never been associated with it in any capacity. It appears someone elses information was mixed into my file. Remove this immediately for inaccurate reporting. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} Charge Off I do not recognize this account and have no memory of ever opening any XXXX account. I request the original signed application, full payment history, account statements, and proof of ownership. Without proper documentation, this must be deleted immediately because you can not report a charge-off that can not be proven. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off This account does not belong to me, and I dispute it entirely. Provide a complete validation including signed contracts, application records, usage logs, and identity confirmation. If you can not verify this account as mine, delete it from my credit report. 
XXXX XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2000.00} Charge Off I dispute this account due to lack of knowledge, lack of contract, and lack of documentation connecting me to this debt. I need complete proof including contract copies, payment history, itemized statements, and identity verification. If the account can not be fully verified, delete it immediately. 
XXXX XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$700.00} Charge Off This is not my account. I never opened or authorized it. I am requesting evidence including application history, account transactions, and any proof tying this account to me. Without solid verification, this is inaccurate and must be removed. 
XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off I never applied for a XXXX account nor used any XXXX XXXX XXXX XXXX  This is fraudulent or incorrectly reported. I need full validation ; otherwise this item must be deleted under FCRA 611. 
XXXXXXXX XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off I have no connection with this company. I demand verification with original documents, legal contracts, and transaction details. If no proof is available, this must be removed immediately for inaccurate reporting. 
XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5600.00} Charge Off * * I dispute this account as I have no record or memory of ever financing a vehicle through XXXX XXXX XXXX XXXX under this account number. I request full documentation including original loan agreements, payment records, VIN details, identity validation, and any evidence connecting me to this auto loan. If you can not verify all these documents, the reporting of this charge-off is unlawful and must be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * This late payment reporting is inaccurate. I never made any late payments on this account, nor did I ever receive any notice of delinquency. I request validation of the payment history with timestamped records, original account statements, and date-specific billing. If you can not produce accurate proof, this late payment history must be corrected immediately to reflect an on-time status. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00} Collection * * I dispute this collection account. I have no knowledge of this debt and never received any prior notice validating it. I request full validation including the original creditors information, proof of assignment, itemized breakdown of the alleged balance, and signed evidence linking this debt to me. Without full validation, this item must be deleted. 
XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$620.00} Collection * * This collection account is disputed because I do not recognize it. I demand proper verification including proof of ownership, original creditor documentation, and complete account statements. If you fail to validate this account as required by federal law, it must be removed for inaccurate reporting. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$460.00} Collection * * This appears to be a duplicate LVNV account, which is a violation of credit reporting accuracy requirements. I dispute it entirely. Provide the full validation package including signed agreements and a non-duplicated account trail. If not fully verified, this duplicate must be removed from my report. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$640.00} Collection I dispute this entire collection account as I have no knowledge of this debt and never received any original notice validating it. I request complete documentation including the original creditor contract, chain of assignment, full itemized balance, identity verification, and legal proof that this debt belongs to me. If XXXX can not provide legally acceptable validation, this entry must be deleted immediately for inaccurate reporting. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off I dispute this charge-off because I never opened or authorized any account with XXXX. I request validation including the original signed application, billing history, payment records, and documentation tying this account to my identity. If proper verification can not be produced, this charge-off must be removed under FCRA 611 due to unverifiable reporting. 
BANKRUPTCY DISPUTES XXXX XXXX  Bankruptcy Reference XXXX XXXXXXXX Court : U.S. Bankruptcy Court This bankruptcy is being disputed because I never filed this case, never appeared in court for this matter, and never authorized any XXXX XXXXXXXX proceeding under this reference number. I request verification from the court system including clerk-stamped documents, petition signatures, docket entries, and identity confirmation. If you can not verify through official court documentation, this bankruptcy must be deleted immediately for false reporting. 
INQUIRY DISPUTES ( HARD INQUIRIES ) ( Each one does not belong to you and should be removed. ) XXXX XX/XX/XXXX XXXX I did not authorize this inquiry. I never applied for any credit with GLS. Remove this unauthorized hard inquiry immediately. 
XXXX XXXX XXXXXX/XX/XXXX Inquiry I dispute this inquiry because I did not apply for credit with XXXX XXXX  This was done without my authorization and must be deleted. 
XXXX XX/XX/XXXX XXXX This inquiry is unauthorized. I never permitted XXXX XXXX to access my credit report. Delete this inquiry immediately. 
XXXX XXXX XX/XX/XXXX Inquiry I did not give consent to XXXX XXXX to pull my credit. This is an unauthorized inquiry and must be removed. 
WHAT I AM REQUESTING FROM CFPB I request that the CFPB investigate the credit bureaus and furnishers for reporting unverified and fraudulent accounts, failing to supply required documentation, and continuing to list bankruptcies, collections, charge-offs, and inquiries that do not belong to me. 
I want all the following items removed immediately : the XXXX XXXX collections, the XXXX charge-off, all three bankruptcy entries, and all the unauthorized inquiries listed above. These items are causing financial harm, blocking approvals, and damaging my credit profile unfairly. 
I certify that all information in this complaint is true and accurate to the best of my knowledge and request immediate CFPB intervention to ensure my consumer rights under the FCRA are enforced.

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