Consumer complaint received 2025-12-18 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: FL

Complaint narrative:
I am submitting this complaint regarding TransUnions continued reporting of inaccurate, unverifiable, and unrecognized information on my credit report. Despite my rights under the Fair Credit Reporting Act, TransUnion is reporting personal information, accounts, collections, and inquiries that are either not mine, not accurate, or not properly verified. 
TransUnion is reporting the address XXXX XXXX XXXXXXXX, XXXX, FL XXXX, which is not my address. I have no knowledge of this address, have never lived there, and have no association with it. This address should not be associated with my credit file and must be deleted. 
TransUnion is also reporting the address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, which is not mine. I do not recognize this address, have never used it, and have no connection to it. This address is inaccurately reported and must be removed. 
TransUnion is reporting late payment history on the account XXXX  ( Account XXXX, opened XX/XX/XXXX ). I am disputing the accuracy of the reported late payments, as this information is not being reported correctly. TransUnion must verify the accuracy of this payment history or correct it accordingly. 
The account XXXX  ( Account XXXX, opened XX/XX/XXXX ) is also reporting late payments that I dispute as inaccurate. This late payment history must be properly verified or corrected if it can not be substantiated. 
TransUnion is reporting multiple accounts as charge-offs that I do not recognize and have no knowledge of. These include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX and XXXX ( XXXX ). I do not recognize these accounts as mine, and TransUnion has not provided evidence that these accounts belong to me or are being reported accurately. Each of these accounts must be fully investigated and deleted or corrected if they can not be verified. 
TransUnion is also reporting collection accounts that I do not recognize, including XXXX XXXX  ( Accounts XXXX, XXXX, and XXXX ) and XXXX  ( Account XXXX ). I have no knowledge of these collection accounts, and they are not mine. TransUnion is required to verify these accounts with competent evidence or remove them from my credit report. 
Additionally, TransUnion is reporting inquiries that I did not authorize, including XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. These inquiries are inaccurate and should not appear on my credit file. 
I am requesting that the CFPB require TransUnion to conduct a proper and lawful reinvestigation of each disputed item, verify all information with original and competent documentation, and immediately delete or correct any information that can not be fully verified. I am also requesting that TransUnion provide me with an updated and accurate copy of my credit report reflecting these corrections. 
This complaint is submitted to ensure compliance with the Fair Credit Reporting Act and to stop the continued reporting of inaccurate information on my credit file.

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