Consumer complaint received 2025-11-18 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 filing this complaint because the credit bureaus and several debt collectors are reporting fraudulent, inaccurate, and unverified collection accounts and unauthorized hard inquiries on my consumer credit reports. I have no knowledge of these accounts, never opened them, never authorized any inquiry, and the bureaus failed to follow FCRA procedures during reinvestigation. 
I previously disputed these items with the credit bureaus, but they verified them without providing any proof, violating FCRA 602 ( A ), 607 ( B ), 609 ( A ), 611, 623 ( A ), and FDCPA 807, 808, 809. 
Below are the accounts I am complaining about : XXXX XXXX XXXX, XXXX, TX XXXX This address is not mine. Remove immediately. 
XXXX XXXX, XXXX, AL XXXX I have never lived in XXXX. Remove this address. 
DISPUTED ACCOUNTS XXXX XXXX Acct : XXXX XXXX XXXX  High Balance : {$5500.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX  Not my account. I never opened or authorized this. Please delete. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$620.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX  I have no knowledge of this account. Delete immediately. 
XXXX  Acct : XXXXXXXX XXXX  High Balance : {$0.00} Date Opened : XX/XX/XXXX Charge Off * * Not mine. Remove. 
XXXX Acct : XXXXXXXX XXXX XXXX High Balance : {$640.00} Date Opened : XX/XX/XXXX Charge Off * * Not my account. Delete immediately for lack of verification. 
XXXXXXXX XXXX XXXX Acct : XXXXXXXX XXXX High Balance : {$6000.00} Date Opened : XX/XX/XXXX Charge Off * * Fraudulent/unknown. Must be deleted. 
XXXX Acct : XXXXXXXX XXXX  High Balance : {$520.00} Date Opened : XX/XX/XXXX Charge Off * * I have no connection to this account. Delete it. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX  High Balance : {$190000.00} Date Opened : XX/XX/XXXX Late Payment * * These late payments are wrong. I never missed payments. Correct the reporting. 
XXXX Acct : XXXXXXXX XXXX High Balance : {$500.00} Date Opened : XX/XX/XXXX Late Payment * * Incorrect late payment reporting. Please correct to Paid as agreed. 
XXXX  Acct : XXXXXXXX XXXX XXXX High Balance : {$310.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX Reporting error. Correct the payment history. 
XXXX Acct : XXXX High Balance : {$24000.00} Date Opened : XX/XX/XXXX Late Payment * * These late payments are false. Correct immediately. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$36000.00} Date Opened : XX/XX/XXXX Late Payment * * Wrong reporting. Update the account to reflect on-time payment history. 
XXXX  XXXX Acct : XXXXXXXX XXXX XXXX XXXX  High Balance : {$560.00} Date Opened : XX/XX/XXXX Collection * * Not my account. Remove for lack of verification. 
XXXX XXXX  Acct : XXXXXXXX XXXX XXXX High Balance : {$490.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX  Duplicate and fraudulent. Delete immediately. 
XXXX Acct : XXXX * High Balance : {$340.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX  This is not my debt. I dispute this account entirely. 
XXXX Acct : XXXX High Balance : {$690.00} Date Opened : XX/XX/XXXX Collection * * Unknown company. No contract. Please delete. 
XXXX XXXX  Acct : XXXXXXXX XXXX High Balance : {$120.00} Date Opened : XX/XX/XXXX Collection * * Not mine. Must be removed. 
XXXX XXXX Acct : XXXX High Balance : {$530.00} Date Opened : XX/XX/XXXX Collection * * I have no connection to this account. Delete immediately. 
UNAUTHORIZED HARD INQUIRIES I DID NOT PERMIT THESE Under FCRA 604 and 607, a hard inquiry requires written authorization.

These companies pulled my credit without my permission. 
I demand deletion of all inquiries below : XXXX XX/XX/XXXX Inquiry No authorization was given. 
XXXX XX/XX/XXXX Inquiry I did not apply for credit with this company. 
XXXX XXXX XX/XX/XXXX Inquiry Unauthorized credit pull. 
Requested Action from CFPB I request the CFPB to : 1. Order the credit bureaus to delete all unverified collection accounts 2. Order the bureaus to delete all unauthorized inquiries 3. Require furnishers to provide real validation or remove the accounts 4. Force the bureaus to comply with a lawful FCRA 609 ( a ) investigation 5. Require the bureaus to send me corrected reports 6. Investigate all companies involved for FCRA and FDCPA violations

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