Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
I am submitting this formal complaint regarding several inaccurate, unverifiable, and fraudulent items currently appearing on my credit reports. These errors are causing significant harm to my creditworthiness, financial stability, and overall credibility. Despite attempts to resolve these issues with the reporting agencies and furnishers, the errors remain unresolved. I request immediate investigation and enforcement action. 

XXXX. Incorrect Late Payment Reporting XXXX XXXX Account Ending XXXXXXXX XXXX High Balance : {$470000.00} Date Opened : XX/XX/XXXX Issue : Reported as Late Payment I dispute the late-payment information because I have never made a late payment on this account. The payment history being reported is inaccurate and must be corrected immediately. I demand proper verification and removal of all false late-payment notations. 

XXXX. Fraudulent/Unverifiable Charge-Off Accounts No Knowledge of These Accounts These accounts are being reported as charge-offs, but I do NOT recognize these accounts, have no knowledge of ever opening them, and have never authorized any such accounts. They are causing severe and unjustified damage to my credit profile. 

A. XXXXXXXX XXXX Account Ending XXXXXXXX XXXX  High Balance : {$20000.00} Date Opened : XX/XX/XXXX Status : Charge-off This account is completely unknown to me. I request its immediate deletion. 

B. XXXX XXXX Account Ending XXXXXXXX XXXX High Balance : {$3000.00} Date Opened : XX/XX/XXXX Status : Charge-off I have no knowledge of this account. I demand full deletion. 

XXXX XXXX Account Ending XXXX XXXX  High Balance : {$5000.00} Date Opened : XX/XX/XXXX Status : Charge-off I do not recognize this account. This must be removed immediately. 

These accounts appear to be inaccurately reported, potentially fraudulent, and remain unverified despite disputes. I request the CFPB to compel the furnishers and bureaus to provide full documentation, including : Original signed application Complete account history Proof of ownership Proof of authorization If they can not properly validate these accounts, they must be deleted under FCRA 1681i.

3. Unauthorized/Unverified Credit Inquiry XXXX Inquiry Dated XX/XX/XXXX I did not authorize this inquiry. It is harming my XXXX XXXX and must be removed immediately. 

Requested Action by CFPB I formally request that the CFPB : Launch a full investigation into these inaccurate, fraudulent, and unverified credit items. 

Require the furnishers and agencies to provide written proof and documentation for each disputed account. 

Compel deletion of any item that can not be fully verified with legally sufficient evidence. 

Ensure compliance with the Fair Credit Reporting Act ( FCRA ) and take corrective measures against any violations. 

These errors have caused severe personal, financial, and emotional harm. I am requesting urgent intervention. 

Thank you for your attention and prompt investigation.

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