Consumer complaint received 2025-12-03 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:
I am submitting this complaint because several furnishers are reporting information on my credit file that is inaccurate, unverified, and not consistent with my actual account history. These entries are severely damaging my creditworthiness and I am requesting CFPB assistance to have these issues fully investigated and corrected. Below are the items in question, listed exactly as they appear on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$790.00} Date Opened : XX/XX/XXXX This account is being reported as a charge off. I have no knowledge of this account and I am requesting its complete deletion from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$710.00} Date Opened : XX/XX/XXXX Reported as charge off. I have no knowledge of this account and request deletion. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$830.00} Date Opened : XX/XX/XXXX Reported as charge off. I have no knowledge of this account and request deletion. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$1800.00} Date Opened : XX/XX/XXXX Reported as charge off. I have no knowledge of this account and request deletion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$70.00} Date Opened : XX/XX/XXXX Late payment is inaccurate. I never made any late payment and I request correction of the payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$490.00} Date Opened : XX/XX/XXXX Late payment reporting is inaccurate. I never paid late and request correction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$870.00} Date Opened : XX/XX/XXXX Late payment is inaccurate. I never paid late and request correction. 
XXXX XXXX XXXX XXXX High Balance : {$350.00} Date Opened : XX/XX/XXXX Reported as charge off. I have no knowledge of this account and request deletion. 
XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$310.00} Date Opened : XX/XX/XXXX Reported as charge off. I have no knowledge of this account and request deletion. 
XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Reported as charge off. I have no knowledge of this account and request deletion. 
XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$5500.00} Date Opened : XX/XX/XXXX Reported as charge off. I have no knowledge of this account and request deletion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$2500.00} Date Opened : XX/XX/XXXX Late payment reporting is inaccurate. I never paid late and request correction. 
XXXX XXXXXXXX XXXX XXXX High Balance : {$24000.00} Date Opened : XX/XX/XXXX Late payment reporting is inaccurate. I never paid late and request correction. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$150.00} Date Opened : XX/XX/XXXX Late payment reporting is inaccurate. I never paid late and request correction. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$4400.00} Date Opened : XX/XX/XXXX Reported as charge off. I have no knowledge of this account and request deletion. 
XXXX XXXX XXXX XXXX High Balance : {$760.00} Date Opened : XX/XX/XXXX Late payment reporting is inaccurate. I never paid late and request correction. 
XXXX XXXX XXXX XXXX High Balance : {$530.00} Date Opened : XX/XX/XXXX Reported as charge off. I have no knowledge of this account and request deletion. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$4600.00} Date Opened : XX/XX/XXXX Reported as charge off. I have no knowledge of this account and request deletion. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$780.00} Date Opened : XX/XX/XXXX This is a collection account I have no knowledge of. I request deletion. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$710.00} Date Opened : XX/XX/XXXX Collection account I have no knowledge of. Request deletion. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$490.00} Date Opened : XX/XX/XXXX Collection account I have no knowledge of. Request deletion. 
XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$550.00} Date Opened : XX/XX/XXXX Collection account I have no knowledge of. Request deletion. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX Collection account I have no knowledge of. Request deletion. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$400.00} Date Opened : XX/XX/XXXX Collection account I have no knowledge of. Request deletion. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$200.00} Date Opened : XX/XX/XXXX Collection account I have no knowledge of. Request deletion. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$520.00} Date Opened : XX/XX/XXXX Collection account I have no knowledge of. Request deletion. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$1800.00} Date Opened : XX/XX/XXXX Collection account I have no knowledge of. Request deletion. 
XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$820.00} Date Opened : XX/XX/XXXX Collection account I have no knowledge of. Request deletion. 
I am requesting CFPB assistance to ensure these furnishers provide full verification, including complete account-level documentation as required by the FCRA. If they can not prove ownership, accuracy, and reporting compliance, the accounts must be deleted or corrected immediately. Thank you for your attention.

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