Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern I am filing this formal complaint because multiple accounts are being reported inaccurately and unlawfully on my credit report. These accounts are severely damaging my credit profile and do not belong to me. I am demanding an immediate investigation and permanent deletion of every account listed below. These entries appear to be the result of mixed files, identity errors, or unauthorized reporting. I have repeatedly attempted to resolve these issues with the credit bureaus but they continue to report false information. I am requesting CFPB oversight to ensure full compliance with the Fair Credit Reporting Act ( FCRA ), including accuracy, permissible purpose, and proper verification of all disputed items. I do not acknowledge, recognize, or have any record of the following accounts, and I dispute them in full and demand deletion. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off Issue : I have no knowledge of this account, have never opened any account with this creditor, and do not recognize this debt. Reporting a charge off for an account that does not belong to me violates FCRA 602 ( A ) regarding maximum accuracy. I am demanding immediate deletion. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$24000.00} Charge Off Issue : I do not recognize this account or any loan associated with this creditor. I never authorized, applied for, or opened this account. This is inaccurate, unverified, and must be deleted immediately. This false reporting is causing significant financial harm. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Charge Off Issue : This account does not belong to me. I have never opened or used any credit account with this institution. This charge off is completely inaccurate, unverified, and must be removed. This violates FCRA guidelines requiring accurate and verifiable information. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off Issue : This is another unauthorized and incorrect account appearing under the same creditor name. I have no knowledge of this account from XXXX or any relationship with this lender. The reporting is fraudulent and must be removed immediately. 
XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$820.00} XXXX XXXX : I have no knowledge of this alleged collection account and have never received any validation of this debt. I dispute this account in its entirety. XXXX XXXX frequently purchases incorrect or unverified accounts, and this appears to be another case of inaccurate assignment. I demand deletion. 
XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$370.00} Collection Issue : I do not recognize this collection or the original creditor assignment. I never received any notice, validation letter, or communication regarding this debt. This account is fraudulent, unverified, and must be deleted as required by FCRA 611 and 615. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Collection Issue : I have no knowledge of this debt and have never done business with the original creditor. This collection is inaccurate, unverified, and unlawfully reported without proper validation. I am requesting immediate deletion. 
I am requesting the CFPB to intervene, enforce FCRA compliance, and ensure these inaccurate, unverified, and unauthorized accounts are permanently removed from my credit file. These false accounts are causing financial hardship, denial of credit opportunities, and emotional distress. I demand a full investigation and correction of all reporting errors.

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