Consumer complaint received 2025-11-07 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: IN

Complaint narrative:
To Whom It May Concern, I am submitting this complaint because my credit report contains multiple serious inaccuracies that violate my consumer rights under the Fair Credit Reporting Act ( FCRA ). I have already contacted the credit reporting agencies, but these errors continue to appear and harm my credit reputation. 
Incorrect Personal Addresses ( Never Associated With Me ) The following addresses are being falsely reported as my previous residences. I have no connection to these locations and demand they be removed from my credit profile : XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX These addresses are completely unrelated to me and may indicate identity confusion or misreporting. Please delete them immediately from all records. 
Accounts Reporting Inaccurate Information XXXXXXXX XXXX XXXX ( Acct : XXXXXXXX XXXX  ) XXXX XXXX High Balance : {$410.00} Date Opened : XX/XX/XXXXXXXX  Issue : Late Payment This account is reporting a late payment that is completely inaccurate. I have never made a late payment to this creditor, and there is no documentation that supports such a derogatory mark. Please correct the payment history to reflect all on-time payments and remove any late mark immediately. 
XXXX XXXX ( Acct : XXXX ) High Balance : {$790.00} Date Opened : XX/XX/XXXX Issue : Late Payment This account is also inaccurately reporting a late payment. I have maintained consistent, timely payments with XXXX XXXX, and no proof of delinquency exists. I request full verification and correction of this reporting. 
Unauthorized or Unverified Hard Inquiries I am also disputing the following inquiries that were made without my authorization or valid permissible purpose under FCRA 604. I did not apply for credit with these entities, and I request immediate removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Each of these inquiries should be fully verified with documentation proving that I authorized them. If such proof can not be provided, they must be deleted immediately. 
Requested Resolution I am requesting that the CFPB ensure the following actions are taken by the credit bureaus and creditors involved : 1. Remove all incorrect addresses from my personal credit file. 
2. Correct the late payment errors on my XXXXXXXX XXXX XXXXXXXX and XXXX XXXX accounts. 
3. Delete all unauthorized inquiries listed above.

4. Provide me with written confirmation and updated credit reports reflecting these corrections.

Harm Caused These errors have negatively impacted my credit score, interfered with my ability to obtain credit, and caused unnecessary emotional distress and time lost disputing inaccurate data. The reporting agencies and furnishers are in violation of FCRA sections 604 ( a ), 607 ( b ), and 611 ( a ) for failing to maintain accurate information and to properly investigate disputes.

I respectfully request the CFPBs assistance in ensuring that these violations are investigated promptly and that all inaccurate or unverifiable information is removed from my credit reports. 
Thank you for your attention and help in protecting my rights as a consumer.

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 explanation