Consumer complaint received 2025-12-01 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: LA

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit report. These items are either entirely unverifiable, reported in error, or are unauthorized inquiries. This complaint is submitted under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. I demand that each disputed item be fully investigated, corrected, or deleted as required by law. 
Addresses Disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address has never been my residence. Reporting this is misleading and affects my credit profile. I request immediate removal. Supporting documents ( utility bills, lease agreements ) show my correct addresses during the relevant periods. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never lived at this address. Including it in my credit file is inaccurate. Please verify the source of this address and delete it if unverified. 

Accounts Disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$0.00} Charge-off I have no knowledge of this account. The charge-off status is false. There are no records or notices sent to me regarding this account. Under FCRA, unverified information must be removed. I request deletion and proof of verification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance Owed : {$880.00} Charge-off This account is inaccurately reported as charged-off. I have consistently paid all my obligations, and I never received any notice of late payments or default. The reporting is therefore inaccurate. Please verify the account and correct or delete immediately. 
XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$0.00} Charge-off I have never held an account with this creditor. Charge-off reporting is completely incorrect. I dispute its validity and request deletion. 
XXXX XXXX XXXX XXXX XXXXXXXX * Date Opened : XX/XX/XXXX, Balance Owed : {$61.00} Collection I dispute this debt because I have no record of entering into any contract with this creditor. The collection is unverified and inaccurate. FDCPA requires validation before reporting ; until verified, this must be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance Owed : {$3900.00} Collection I have never been contacted or billed regarding this debt. Reporting this account without verification violates my rights under FCRA and FDCPA. Delete until verified. 
XXXX XXXX XXXX XXXX * Date Opened : XX/XX/XXXX, Balance Owed : {$1500.00} Collection I dispute this account as I have no knowledge of it. Any reporting of this account is inaccurate and harms my credit history. Immediate investigation and deletion requested. 
Inquiries Disputed : XXXX XX/XX/XXXX This inquiry was not authorized by me. Unauthorized inquiries negatively impact my credit score. Remove immediately. 
I request that each disputed item be fully investigated with all involved parties. If verification can not be provided, each item must be deleted in accordance with FCRA. I also request written confirmation of the investigation results. 
Supporting Documents Attached : Proof of current and previous addresses, identification, and utility bills verifying residence history. 
Thank you for your prompt attention to these matters.

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