Consumer complaint received 2025-11-08 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: FL

Complaint narrative:
I am submitting this complaint to dispute several discrepancies on my report. During a recent review of my credit report, I discovered several discrepancies that are causing me both confusion and concern, and I am formally disputing these items under the rights granted to me by the Fair Credit Reporting Act ( FCRA ). 
First, I have identified multiple charge-off accounts that appear inaccurately on my report. Specifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are either disputed or were previously settled, and I am requesting that the XXXX account in particular be handled using a 1099-C procedure, as this may affect the reporting of a forgiven debt. I further request these accounts be investigated under FCRA 623 ( a ) ( 2 ) Duty to Correct and Update and FCRA 623 ( b ) Furnishers Duty to Investigate, to ensure all information reported is accurate, complete, and up-to-date.

Additionally, there are several accounts that are marked as charge-offs but have a XXXX balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reporting these as charged-off accounts is misleading and inconsistent with the actual account status. I request that these inaccuracies be corrected immediately in compliance with FCRA 611 Consumer Dispute Rights, which obligates credit reporting agencies to conduct a reasonable investigation of disputed information. 
I have also discovered a collection account that appears inaccurately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} * * I do not recognize this debt as valid, and I am requesting that the collector provide verification of this account as required under FCRA XXXX XXXX a ) ( XXXX ) Obligation to Report Accurate Dates of Delinquency. 
Finally, I am disputing several inquiries that were recorded without my explicit authorization or permissible purpose XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are affecting my credit standing and may not meet the permissible purpose requirements under FCRA 604 ( a ) ( 3 ).

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