Consumer complaint received 2025-11-12 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: WI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint to report multiple inaccurate and unverified items being reported by various creditors and collection agencies to the credit reporting agencies ( XXXX XXXX, and TransUnion ). Despite my previous attempts to dispute these inaccuracies directly with the credit bureaus, the items remain unresolved. 
These inaccurate entries are severely affecting my credit profile. I am requesting your assistance in ensuring that these items are properly investigated, validated, and corrected or deleted in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Wrong Address XXXX XXXX, XXXX, XXXX XXXX This address is incorrect and does not belong to me. Please remove it from my credit file. 
Charge Off Accounts ( No Knowledge of These Accounts ) XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$2300.00} I have no knowledge of this account or any relationship with this creditor. Please investigate and delete this entry. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$3200.00} I have no knowledge of this account. Please verify ownership and remove if unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$1500.00} I do not recognize this account. Please investigate and delete any unverifiable information. 
XXXX XXXX XXXX * Date Opened : XX/XX/XXXX | Balance Owed : {$4500.00} This account does not belong to me. Please verify and remove it from my credit report. 
Collection Accounts ( No Knowledge of These Accounts ) XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$960.00} I have no record of this debt. Please provide full validation or delete this account. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$1500.00} I do not recognize this collection. Please remove it unless validated with documentation. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$690.00} This is not my account. Please investigate and delete this entry if unverifiable. 
Hard Inquiries ( Unauthorized Inquiries ) The following inquiries were not authorized by me. Please remove them as they were made without my consent : XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX Please conduct a thorough investigation and provide a written response confirming the results. If these items can not be verified, I request immediate deletion from my credit report. 
Requested Resolution I am requesting that the CFPB assist in ensuring that : 1. Each disputed account and inquiry is thoroughly investigated and validated.

2. Any unverifiable, inaccurate, or unauthorized information is deleted immediately from my credit reports. 
3. The credit reporting agencies and furnishers provide written proof of ownership, signed contracts, or application details if they claim the accounts are valid. 
I have attached copies of my identification, proof of current address, and supporting documentation for reference. 
Thank you for your attention to this matter. I look forward to your response and resolution. 

This dispue was made by me so dont send me any stall letters! This is not a mere request : its a non-negotiable demand. The identified items are unrelated to me as a consumer. I insist that you promptly take action to rectify this massive error within FOUR DAYS from the receipt of this notice, Understand that I except WRITTEN response confirming the completion of the block and deletion process. Any delay or inaction on your part will not be tolerated, and I am prepared to take appropriate legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ).

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