Consumer complaint received 2025-10-01 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: MI

Complaint narrative:
SECTION 1 What happened : I am filing a complaint against Equifax, Experian, TransUnion, XXXX XXXX, and XXXX XXXX for reporting inaccurate, mixed-file, and fraudulent information on my credit files for XXXX XXXX and failing to properly correct it after disputes. This includes ( A ) personal-information errors that appear to mix my file with XXXX XXXX XXXX XXXX B ) false/derogatory tradelines, ( C ) an erroneous bankruptcy, and ( D ) multiple unauthorized hard inquiries. 

A ) Personal-information errors/ mixed file ( not mine ) : Names on file that are not mine : XXXX XXXX XXXX Equifax ) XXXX XXXX XXXX XXXX XXXX Experian XXXX  ), and misspelled XXXX XXXX XXXX XXXX Equifax Former XXXX. My name is XXXX XXXX XXXX XXXX XXXX. 
Address that is not mine : XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX ( listed as current with Experian dated XX/XX/XXXX ). 
These are classic mixed-file indicators and must be removed from my file. ( FCRA 607 ( b ) accuracy ; 611 reinvestigation. ) B ) Derogatory accounts I dispute as not mine/ inaccurate : XXXX. XXXXXXXX XXXX XXXX XXXX  ( TransUnion # XXXXXXXX XXXX XXXX XXXX XXXX ; Experian # XXXXXXXX XXXX XXXX XXXX XXXX ) reported as collection/charge-off, balance {$480.00}, past due {$480.00}, opened XX/XX/XXXX, last reported TU XX/XX/XXXX / EX XX/XX/XXXX. I did not open or authorize this account. 
XXXX. XXXX / XXXXXXXX XXXX XXXX XXXX XXXX ( Equifax ) collection, balance {$340.00}, opened XX/XX/XXXX, last reported XX/XX/XXXX ; shows Consumer disputes this account information. This appears to be a XXXX XXXX collection I do not owe. 
XXXX. XXXX XXXX ( XXXX entries ) installment Unknown credit extension/review/collection, last reported XX/XX/XXXX and XX/XX/XXXX. I did not authorize these self-reported tradelines and dispute their accuracy and permissible purpose if furnished as credit obligations. 

C ) Public record I dispute as not mine : XXXX  XXXX Bankruptcy ( TransUnion Ref # XXXX ; Experian Ref # XXXX ) : Filed XX/XX/XXXX, XXXX XX/XX/XXXX. I never filed for bankruptcy in any court. This is false and severely damaging. 

D ) Unauthorized hard inquiries ( past 2 years ) : I did not authorize the following inquiries and there was no permissible purpose under FCRA 604 ( 15 U.S.C. 1681b ). Please remove them. 

Equifax : XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) Experian : XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX-XXXX ( XX/XX/XXXX ) XXXX  XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX ) TransUnion : XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX  XXXX XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXXI ( XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX XXXX Legal basis : FCRA 604 / 15 U.S.C. 1681b no hard inquiry without permissible purpose.

FCRA 607 ( b ) maximum possible accuracy ; mixed-file errors violate this.

FCRA 611 / 15 U.S.C. 1681i duty to conduct a reasonable reinvestigation and correct/delete inaccurate info.

FCRA 605B / 15 U.S.C. 1681c-2 identity-theft blocking ( for fraudulent accounts/inquiries ).

FCRA 623 furnishers must report accurately and correct errors.

These inaccuracies have caused score damage, credit denials, and emotional distress. I am asserting mixed file/identity theft for the items above and demand full correction.

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