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: CA

Complaint narrative:
Dear CFPB Representative, I am filing this complaint because several inaccurate and unverified items are being reported on my credit report by multiple furnishers and the credit bureaus. These include wrong addresses, false late payments, incorrect charge-offs, duplicate accounts, and unauthorized hard inquiries. Despite the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) guaranteeing my right to accurate and verified information, these items continue to appear and harm my credit standing. 
ACCOUNT DISPUTES XXXX XXXX XXXX XXXX High Balance : {$720000.00} Date Opened : XX/XX/XXXX Late Payment This account is inaccurately reporting late payments. I have never been late, and this reporting violates FCRA 607 ( B ) which requires maximum possible accuracy. I request a full reinvestigation and correction of the payment history to reflect accurate on-time payments. 
XXXX XXXX Acct : XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Late Payment This account shows late payments despite being a {$0.00} balance account. This is a factual impossibility and a clear violation of FCRA 623 ( A ) ( 1 ) ( A ) for furnishing false information. Please delete or correct this entry immediately. 
XXXX XXXX Acct : XXXX High Balance : {$2600.00} Date Opened : XX/XX/XXXX Charge Off I have no knowledge of this account being charged off. I never received any written notice or verification of this alleged debt as required by FCRA 611 ( A ) and FDCPA 809 ( a ). I dispute this account entirely and demand its deletion if verification can not be provided. 
XXXX Acct : XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Charge Off This account is being falsely reported as charged off with a {$0.00} balance. That is inconsistent and violates FCRA 607 ( B ) and FCRA 611 ( A ). Either the account is active or closed in good standing, not a charge-off. Please verify with proper documentation or remove immediately. 
XXXX XXXX Acct : XXXX High Balance : {$11000.00} Date Opened : XX/XX/XXXX Charge Off I have no record of this account. The furnisher failed to verify the legitimacy of this debt under FCRA 623 ( A ) ( 1 ). If you can not provide original signed documentation verifying my liability, this account must be deleted. 
XXXX XXXX Acct : XXXX High Balance : {$100000.00} Date Opened : XX/XX/XXXX Late Payment This reporting is inaccurate. I never made any late payments, and the data furnisher is reporting erroneous information. Please correct all payment history to reflect Paid as Agreed under FCRA 607 ( B ).

REQUEST FOR CFPB ACTION I am requesting the CFPB to take appropriate action to ensure that the following occurs : XXXX. Immediate reinvestigation of all disputed items listed above. 
XXXX. Permanent deletion of unverifiable, inaccurate, or unauthorized information. 
XXXX. Written confirmation from each credit bureau after correction. 
XXXX. Investigation into data furnishers that repeatedly provide false or unverified information. 
These inaccurate reports have negatively affected my credit reputation, financial opportunities, and caused emotional distress. I expect a thorough review and resolution in compliance with FCRA 611 ( A ), 623 ( B ), and FDCPA 809 ( b ).

Thank you for your attention to this matter. Please provide a written response confirming that my complaint has been received and detailing the actions taken.

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