Consumer complaint received 2025-08-29 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Inaccurate Information on Credit ReportSSN ( Last 4 Digits ) : XXXX : XX/XX/XXXX To Whom It May Concern : Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am disputing the accuracy of certain information on my credit report. I request that you investigate these items with the data furnishers and delete or correct any that can not be verified as accurate and complete. Please provide me with the results of your investigation, including the method of verification, within the required timeframe. Additionally, please send me an updated copy of my credit report once the investigation is complete. 
I am enclosing copies of my identification ( drivers license and recent utility bill ) to verify my identity. 
Personal Information Disputes : Names ( XXXX ) : My legal name is XXXX XXXX XXXX Please remove any variations, such as XXXX XXXX XXXX, as they are inaccurate and not associated with me. 
Addresses ( XXXX, XXXX ) : My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( since XX/XX/XXXX ). Please remove any other addresses, as they are incorrect. 
Account Disputes : Below are the specific accounts I am challenging. For each, I believe the information is inaccurate based on my records. Please investigate and provide verification from the furnisher. Refer to the attached images of my credit report excerpts, where I have highlighted and circled the disputed fields ( e.g., payment history, balance, status ). 
XXXX XXXX XXXX  ( Account # : XXXX, XXXX, XXXX ) Disputed Items : Payment history shows multiple XXXX day lates that I did not incur ; balance of {$23000.00} and past due of {$1100.00} appear overstated ; date of last activity ( XX/XX/XXXX ) is incorrect. 
Reason : This does not match my payment records ; it may violate Metro 2 formatting for accurate reporting.

Request : Verify with furnisher ; delete if unverified. ( See attached image for highlights. ) 2 XXXX ( Account # : XXXX, XXXX, XXXX ) Disputed Items : Account status as Open with {$0.00} balance, but payment history shows inconsistencies ; date of last activity ( XX/XX/XXXX ) is wrong. 
Reason : I believe this account was closed earlier ; reporting may not comply with FCRA accuracy standards.

Request : Verify and correct or delete. ( See attached image for highlights. ) XXXX XXXX  XXXX ( Account # : XXXX, XXXX, XXXX ) Disputed Items : Charged off status ; balance of {$4000.00} exceeds credit limit ; no payment history provided. 
Reason : This charge-off is disputed as I made arrangements not reflected ; high balance of {$4100.00} is inaccurate. 
Request : Reinvestigate ; remove if unverifiable. ( See attached image for highlights. ) XXXX XXXX ( Account # : XXXX, XXXX, XXXX ) Disputed Items : Payment history shows XXXX day lates ; remarks as Settled ; less than full balance. 
Reason : Lates were due to billing errors not resolved ; settlement not accurately reported. 
Request : Verify details ; correct or delete. ( See attached image for highlights. ) XXXX XXXX XXXX XXXX Account # : XXXX, XXXX, XXXX ) Disputed Items : Closed status by consumer ; short payment history with a XXXX late. 
Reason : The late payment was not mine ; date reported ( XX/XX/XXXX ) is outdated. 
Request : Investigate and remove inaccuracies. ( See attached image for highlights. ) XXXX XXXX XXXX XXXX Account # : XXXX, XXXX, XXXX ) Disputed Items : Charged off ; balance of {$9500.00} exceeds limit ; profit and loss writeoff remark. 
Reason : This does not reflect payments I made ; may be incomplete reporting. 
Request : Verify with furnisher ; delete if unverified. ( See attached image for highlights. ) XXXX XXXX ( Account # : XXXX, XXXX, XXXX ) Disputed Items : Charged off ; balance of {$1200.00} ; no payment history. 
Reason : Account details are incorrect based on my statements ; writeoff not justified. 
Request : Reinvestigate and correct. ( See attached image for highlights. ) XXXX XXXX XXXX XXXX  XXXX Account # : XXXX, XXXX, XXXX ) Disputed Items : Closed status ; payment history with a 30-day late ; remarks as canceled by grantor.

Reason : Late payment disputed; reporting may not be timely. 
Request : Verify and update or remove. ( See attached image for highlights. ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ( Account # : XXXX, XXXX, XXXX ) Disputed Items : Placed for collection ; balance of {$2000.00} ; open status. 
Reason : This debt is not mine or is time-barred ; no payment history to verify. 
Request : Investigate originality and accuracy ; delete if unverifiable. ( See attached image for highlights. ) Thank you for your prompt attention. I look forward to your response. 
Sincerely, XXXX XXXX

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