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 multiple accounts on my credit report are being reported inaccurately and without proper validation. These errors are harming my creditworthiness. I am requesting a full investigation and immediate correction/deletion of the following items : CHARGE-OFF ACCOUNTS I Have No Knowledge of These Accounts and Did Not Authorize Them. Requesting Full Deletion. 
XXXX. XXXX Acct : XXXX High Balance : {$830.00} Date Opened : XX/XX/XXXX Issue : Reported as Charge Off. I have no knowledge of this account. Request deletion. 
XXXX. XXXXXXXX XXXX XXXXXXXX Acct : XXXX Date Opened : XX/XX/XXXX | High Balance : {$1000.00} Issue : Charge Off reported inaccurately. Unknown account. Request deletion. 
XXXX. XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX | High Balance : {$3100.00} Issue : Charge Off is incorrect. I do not recognize this account. Request deletion. 
XXXX. XXXXXXXX XXXX  Acct : XXXX Date Opened : XX/XX/XXXX | High Balance : {$470.00} Issue : Charge Off is not mine. Request deletion. 
XXXX. XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX | High Balance : {$500.00} Issue : Inaccurate Charge Off. Unknown account. Request deletion. 
XXXX. XXXX Acct : XXXX Date Opened : XX/XX/XXXX | High Balance : {$1400.00} Issue : Charge Off reporting is inaccurate. I do not recognize this account. Request deletion. 
XXXX. XXXX XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX | High Balance : {$1400.00} Issue : Unverified Charge Off. Not my account. Request deletion. 
LATE PAYMENT ACCOUNTS The Late Status Reporting Is Wrong, I Never Paid Late. Requesting Correction. 
XXXX. XXXX Acct XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$310.00} Issue : Wrong late payment history. I always paid on time. Request correction. 
XXXX. XXXX XXXX XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX | High Balance : {$2100.00} Issue : Late payment status is incorrect. Request correction. 
XXXX. XXXX XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX | High Balance : {$39000.00} Issue : Reported late payments are inaccurate. Request correction. 
COLLECTION ACCOUNTS I Have No Knowledge of These Accounts. Requesting Deletion. 
XXXX. XXXX XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX | High Balance : {$3800.00} Issue : Not my account. Remove from report. 
XXXX. XXXX XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX | High Balance : {$720.00} Issue : Unverified account. I do not recognize it. Request deletion. 
XXXX. XXXX XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX | High Balance : {$590.00} Issue : Unknown collection account. Request deletion. 
XXXX. XXXX XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX | High Balance : {$2600.00} Issue : Not my account. Request deletion. 
XXXX XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX | High Balance : {$70.00} Issue : I have no knowledge of this account. Request deletion. 
XXXX. XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX | High Balance : {$1400.00} Issue : Inaccurate and unverified. Request deletion. 
XXXX. XXXX Acct : XXXX Date Opened : XX/XX/XXXX | High Balance : {$140.00} Issue : Unknown account. Request deletion. 
XXXX. XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX | High Balance : {$2200.00} Issue : I never opened or authorized this account. Request deletion. 
REQUEST FOR CFPB ACTION I am requesting that the CFPB enforce an investigation into these inaccurate, unverified, and misleading items that are damaging my consumer rights under the FCRA ( Fair Credit Reporting Act ). 
Please require the data furnishers and credit bureaus to : Provide full validation and documentation, OR Delete/Correct the accounts immediately. 
Thank you for your assistance.

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