Consumer complaint received 2025-11-17 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:
Dear CFPB, I am filing an official complaint regarding multiple inaccurate, unverified, and unauthorized items that are being reported on my credit report by TransUnion. These items include collections, charge-offs, and unauthorized inquiries that do not belong to me. I have disputed these items with TransUnion, but they remain uncorrected. 
I am requesting CFPB intervention to ensure the credit bureaus and furnishers comply with the Fair Credit Reporting Act ( FCRA ) and provide proper verification, or immediately remove the inaccurate information. 
XXXX XXXX XXXX, XXXX XXXX, FL XXXX Wrong Address I have never lived at, used, or been associated with this address. This location has absolutely no connection to my personal, employment, or financial history. The presence of this incorrect address may indicate mixed files or identity errors. Please remove it immediately. 
XXXX XXXX ( Acct : XXXXXXXX XXXX  ) High Balance : {$730.00} | Opened : XX/XX/XXXX | Collection XXXX XXXX  I do not recognize this account and have never been notified of any debt connected to this creditor. I request full validation including the original creditor name, account history, contract with my signature, and proof this debt belongs to me. If proper documentation can not be provided, this entry must be deleted immediately under the FCRA for being inaccurate or unverifiable. 
XXXX XXXX ( Acct : XXXXXXXX XXXX ) High Balance : {$810.00} | Opened : XX/XX/XXXX | Collection XXXX XXXX  This account is not mine. I have never opened or used any account that matches this information. XXXX must provide full validation : original creditor details, account-level documentation, and identity verification. If they can not prove ownership, please remove this account from my credit report as required by the FCRA. 
XXXX XXXX ( Acct : XXXX ) High Balance : {$580.00} | Opened : XX/XX/XXXX | Collection XXXX XXXX I have no knowledge of this account. I never received any communication or billing from this creditor or any related company. Please provide original documentation and proof that this debt belongs to me. Any account that can not be verified must be deleted immediately. 
XXXX XXXX Inquiry Date : XX/XX/XXXX I never authorized XXXX XXXX or XXXX to access my credit report. Please delete this unauthorized inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX I did not apply for any type of credit or membership requiring a pull from XXXX XXXX on this date. Please remove this inquiry for being unauthorized. 
REQUEST FOR CFPB ACTION I respectfully request that the CFPB : Require TransUnion to conduct a thorough reinvestigation Require furnishers to provide proper validation and documentation Remove all accounts that can not be verified Remove all unauthorized inquiries Ensure compliance with all FCRA regulations These inaccurate items are harming my creditworthiness, causing financial stress, and negatively affecting my ability to obtain credit and housing. I am requesting immediate assistance to correct these issues. 
Thank you for your help and attention. I look forward to your prompt resolution.

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