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: IL

Complaint narrative:
Dear CFPB Representative, I am filing this complaint because my credit report contains multiple inaccurate, duplicate, and unverified items that violate my rights under the Fair Credit Reporting Act ( FCRA ). These errors have negatively affected my credit reputation, and despite my prior disputes, the information remains uncorrected. 
Below is a detailed summary of the issues I am experiencing : INCORRECT ADDRESSES REPORTED : XXXXXXXX XXXX XXXXXXXX, IL XXXX Never lived or received mail here. 

These addresses are false and unverifiable, and must be immediately removed from my credit profile as they do not relate to my identity or residence history. 

ACCOUNT-RELATED DISPUTES : XXXX XXXX Acct # XXXX High Balance : {$540.00} | Date Opened : XX/XX/XXXXXXXX  | Status : Charge-Off I have no knowledge or record of this account being charged off. I have never been notified of any default, and the reporting of this as a charge-off is inaccurate and defamatory. Please provide full validation and remove if unverifiable. 
XXXX Acct # XXXX High Balance : {$3100.00} | Date Opened : XX/XX/XXXXXXXX  | Status : Late Payment This account is reporting late payments that are incorrect. I have never missed or been late on payments for this account. Under FCRA 611, I demand that you verify the payment history directly with the furnisher and correct this immediately. 
XXXX XXXX XXXX Acct # XXXX High Balance : {$30000.00} | Date Opened : XX/XX/XXXXXXXX  | Status : Late Payment This late payment status is false and misleading. My payment records do not reflect any delinquency. Please reinvestigate and correct to show an accurate on-time payment record. 
XXXX XXXX Acct # XXXXXXXX XXXX High Balance : {$540.00} | Date Opened : XX/XX/XXXX | Status : Charge-Off Duplicate entry and inaccurate reporting of the same account. Please delete all duplicate or unverifiable entries immediately. 

BANKRUPTCY REPORTING : XXXX  XXXX Bankruptcy Reference # XXXX U.S. Bankruptcy Court I have never filed for bankruptcy. This is a serious misrepresentation of my financial history. Provide complete verification with supporting court documents, including docket number and filing confirmation, or delete this immediately as per FCRA 611 ( a ) ( 5 ). 

UNAUTHORIZED/HARD INQUIRIES : The following inquiries were conducted without my written authorization or permissible purpose under FCRA 604 : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I never authorized any of these credit inquiries. Please remove them immediately as they violate FCRA 604 ( a ) and 607 ( b ). 

Requested Action I am requesting CFPBs assistance in investigating these issues and ensuring that the credit bureaus ( XXXX, XXXX, and TransUnion ) and the respective furnishers comply with the FCRA by : 1. Removing all incorrect addresses.

2. Correcting all inaccurate payment histories and charge-off statuses.

3. Deleting the false bankruptcy record.

4. Removing all unauthorized inquiries.

5. Providing a written confirmation of the completed reinvestigation within 30 days as required under FCRA 611 ( a ) ( 5 ). 
These inaccuracies have caused me stress, embarrassment, and harm to my creditworthiness. I am requesting your immediate help to ensure these violations are corrected and that my credit file reflects accurate and verifiable information only. 
Thank you for your attention and support in this matter.

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