Consumer complaint received 2025-12-09 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 complaint because multiple accounts and inquiries are being reported inaccurately on my credit report and the credit bureaus have failed to properly investigate them as required under FCRA 602, 603, 604, 609, 611, and 623. These items are either not mine, unauthorized, unverified, duplicated, or reported with inconsistent information that does not match my records. I am requesting a full investigation and immediate correction or deletion.

WRONG ADDRESSES ( NEVER LIVED, NEVER USED, NOT RELATED TO ME, POTENTIAL IDENTITY THEFT ) XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address I never resided here, my identity was never connected to this address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Wrong Address Completely inaccurate and must be deleted for identity protection ACCOUNTS WRONG, UNVERIFIABLE, NOT MINE, OR REPORTED INACCURATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$370.00} ISSUE : Reported Late Payment I never made any late payments, this reporting is false, unverified, and must be corrected immediately DPT EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$370.00} ISSUE : Late Payment I did not miss payments, this is inaccurately reported and harming my credit DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$4300.00} ISSUE : Late Payment I dispute the entire late payment history as false, unverifiable, and inconsistent with my actual records DPT EDXXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$6000.00} ISSUE : Late Payment This is inaccurately reported and can not be verified with any supporting documents DPT EDXXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$3500.00} ISSUE : Late Payment Reporting is false, the late payment history is not mine and must be removed DPT ED/XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$6000.00} ISSUE : Late Payment Inaccurate and unverifiable reporting, requires full deletion DPT EDXXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$3500.00} ISSUE : Late Payment Reported incorrectly, does not match my payment history, and must be corrected DPT EDXXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1300.00} ISSUE : Late Payment I dispute the payment history entirely, it is wrongly reported and must be corrected DPT EDXXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$3000.00} ISSUE : Late Payment I strongly dispute the reported late payments because they are inaccurate, inconsistent, and do not match my actual payment history. This information is unverifiable and must be corrected. 
DPT EDXXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1700.00} ISSUE : Late Payment The late payment history is falsely reported. I never missed payments on this account and demand immediate correction under FCRA XXXX. 
DPT EDXXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$6000.00} ISSUE : Late Payment This information is inaccurate. The late payment history is not mine and can not be validated through any original documentation. 
DPT EDXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$3500.00} ISSUE : Late Payment False reporting. The payment history is incorrect, damaging my credit, and must be corrected immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$23000.00} ISSUE : Charge Off I dispute this account completely. I can not verify it, I have no recollection of opening it, and request deletion under FCRA 611. 
DPT EDXXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$6000.00} ISSUE : Late Payment This reporting is inaccurate. I dispute the entire late payment history as it does not reflect my actual performance. 
DPT EDXXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$3500.00} ISSUE : Late Payment The payment data is wrong and must be corrected. FCRA requires removal of unverifiable information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1500.00} ISSUE : Charge Off This account is not mine. I dispute it entirely and request deletion due to lack of verification. 
DPT EDXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1700.00} ISSUE : Late Payment The late payment reporting is false and inconsistent with my records. This information must be corrected. 
DPT EDXXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1600.00} ISSUE : Late Payment Incorrect reporting. I dispute this history and ask for an immediate correction. 
DPT EDXXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$360.00} ISSUE : Late Payment This is inaccurately reported and can not be verified under FCRA. Must be fixed immediately. 
DPT EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$850.00} ISSUE : Late Payment False information. I dispute and request full reinvestigation and correction. 
DPT EDXXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$2900.00} ISSUE : Late Payment The late payment history is inaccurate and does not match my actual payment performance. This information is unverifiable and must be corrected. 
XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$450.00} ISSUE : Collection This is not my debt. I dispute the account in its entirety. No proof or verification exists. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$610.00} ISSUE : Collection Incorrect, unverified, and not tied to my financial records. This must be corrected or deleted. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$600.00} ISSUE : Collection I do not recognize this account. No documentation supports this debt and I dispute it completely. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$240.00} ISSUE : Collection This account is not mine and has no verifiable connection to me. Must be deleted under FCRA for lack of validation. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1200.00} ISSUE : Collection I dispute this entire account. It is not mine, no validation exists, and reporting is inconsistent. This must be deleted immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1100.00} ISSUE : Collection This appears to be a duplicated and inaccurate collection entry. No verification exists. Must be removed. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1100.00} ISSUE : Collection I have no knowledge of this account. No contract, no proof, and no validation. This is not mine and must be deleted. 
XXXX Inquiry Date : XX/XX/XXXX ISSUE : Unauthorized Inquiry I did not apply for credit with this company. Unauthorized inquiries must be removed under FCRA 604. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ISSUE : Unauthorized Inquiry This inquiry was made without my consent or application. I demand removal. 
XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX ISSUE : Unauthorized Inquiry I dispute this as I never authorized any credit application with this entity. Remove immediately.

These accounts and inquiries are causing harm to my credit standing, and I am requesting that CFPB require the data furnishers and credit bureaus to provide documented proof of authorization, contracts, account ownership, or permissible purpose. If they can not verify with legally acceptable evidence, these items must be deleted immediately as required under FCRA. I am requesting a full review and enforcement action to correct these violations.

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