Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding multiple inaccurate, fraudulent, and unverified items appearing on my credit report. These items are factually incorrect and are causing substantial harm to my creditworthiness, financial reputation, and ability to obtain credit. I demand an immediate investigation under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and that all erroneous items be corrected or deleted immediately. 
The items in dispute are : XXXX XXXX Acct : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$0.00} I have no knowledge of this account. The reporting is completely unverified and can not be legally reported under FCRA 609. Immediate deletion is required. 
XXXX, Acct : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$0.00} This is a fraudulent charge-off, not opened or authorized by me. Any reporting agency failing to delete this violates FCRA XXXX, XXXX, XXXX. 
XXXX XXXX, Acct : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance Owed : {$770.00} I do not recognize this account. Its inclusion is factually inaccurate, misleading, and harmful to my credit profile. Immediate removal demanded. 
XXXX XXXX, Acct : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$990.00} Unknown account. Its reporting is unsubstantiated. Furnisher must provide verification, and if unable, delete permanently. 
XXXX, Acct : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$570.00} I have no knowledge of this debt. Reporting it is illegal and defamatory, requiring immediate deletion. 
XXXX XXXX, Acct : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$1800.00} This charge-off is fraudulent and unverified. Continued reporting violates FCRA and is harmful to my financial standing. 
XXXX, Acct : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, XXXX XXXX : {$0.00} Unknown account. I demand deletion due to lack of verification and evidence of fraud. 
XXXX, Acct : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, XXXX XXXX : {$0.00} I do not recognize this account. Continued reporting is illegal and misleading, delete immediately. 
XXXX, Acct : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, XXXX XXXX : {$1100.00} Fraudulent account. I have never authorized this account. XXXX must provide valid documentation ; otherwise, delete. 
XXXX, Acct : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, XXXX XXXX : {$19000.00} Unknown charge-off. Inclusion in my report is completely inaccurate and violates FCRA reporting requirements. 
XXXX XXXX XXXX, Acct : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance Owed : {$11000.00} The reported late payment is false. I have never missed a payment on this account. This is a misrepresentation and damages my creditworthiness. I demand full correction of the account history to reflect accurate payment behavior. 
XXXX, Acct : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$460.00} I have no knowledge of this account. Its reporting is fraudulent and unverified, violating FCRA XXXX. Delete immediately. 
XXXX, Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance Owed : {$400.00} This charge-off is incorrect and unverified. Its continued presence is harming my credit. Immediate deletion required. 
XXXX, Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$3300.00} I do not recognize this account. Reporting it is illegal under FCRA 607 and 611, delete immediately. 
XXXX, Acct : XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance Owed : {$14000.00} Unknown charge-off. Continued reporting without verification is a violation of FCRA XXXX. 
XXXX, Acct : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$430.00} Unknown account. XXXX is unsubstantiated and misleading, delete immediately. 
XXXX, Acct : XXXX * Date Opened : XX/XX/XXXX, Balance Owed : {$8000.00} I do not recognize this account. Continued reporting is illegal and damaging. 
XXXX Funding, Acct : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$580.00} Duplicate or fraudulent entry. Delete immediately. 
XXXX Funding, Acct : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance Owed : {$1500.00} Unverified and unknown. Remove immediately. 
XXXX Funding, Acct : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance Owed : {$960.00} Unknown collection. Delete immediately. 
Hard Inquiries XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX of XX/XX/XXXX All inquiries above were made without my authorization and are a violation of FCRA 604. Remove immediately as they are negatively impacting my credit score. 
Action Demanded 1. Conduct a thorough investigation of each item. Remove or correct all fraudulent, inaccurate, and unverified entries.

2. Furnish proof and documentation for each reported account. Failure to provide proof mandates deletion under FCRA 611.

3. Confirm in writing all corrections or deletions.

4. Non-compliance will result in formal legal action, including claims for financial and reputational damages caused by these inaccuracies.

These items are causing severe damage to my financial reputation and creditworthiness. I expect written confirmation within 30 days, as required by law.

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