Consumer complaint received 2025-12-01 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: LA

Complaint narrative:
To Whom It May Concern This is a formal complaint against multiple furnishers and the credit reporting agencies for serious violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). My consumer file is reporting inaccurate, unverified, unauthorized, and mixed-file information that I have repeatedly attempted to dispute directly with the credit bureaus, yet the information continues to remain without proper investigation or documentation. My report contains accounts and inquiries that I have no knowledge of, never authorized, never applied for, and never received any contract, billing statement, or validation for. These items are damaging my credit profile and violating my rights under Federal Law, and I am requesting CFPB intervention to force proper reinvestigation, validation, and removal of all unverified information listed below WRONG ADDRESSES DELETE IMMEDIATELY XXXX XXXX XXXX XXXX XXXX LA XXXX Wrong Address, never lived here, never used this as mailing address, appears due to mixed file and must be deleted under FCRA 607 ( b ) XXXX XXXX XXXXXXXX XXXX  XXXXXXXX  LA XXXX Wrong Address, not mine, reporting without verification XXXXXXXX XXXX XXXX XXXX LA XXXX Wrong Address, not associated with me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LA XXXX Wrong Address, I have no connection to this property, likely identity confusion ACCOUNT DISPUTES REMOVE OR CORRECT PER FCRA LAW ( STORY + ISSUE ADDED ) XXXX XXXX XXXX XXXX  High Balance : {$890.00} Date Opened : XX/XX/XXXX Status : Charge Off Issue : I have no knowledge of this account, never opened it, never received any documents, billing, or statements. This appears related to the wrong addresses listed above. Under FCRA 609 ( a ), furnish proof of contract with my signature. If you can not verify, delete immediately. 
XXXXXXXX XXXX XXXXXXXX High Balance : {$720.00} Date Opened : XX/XX/XXXX Status : Charge Off Issue : This account is fraudulent and unverified. I never applied for or used any XXXX XXXX XXXXXXXX credit product. This is likely identity error because of mixed-file addresses. Under FCRA 611, this must be deleted if proper verification can not be produced. 
XXXX XXXX XXXX XXXXXXXX High Balance : {$840.00} Date Opened : XX/XX/XXXX Status : Charge Off Issue : I have no memory or records of this account. No statements or agreements were ever in my possession. Reporting this account without proper validation violates FCRA 602A and 623 ( a ) ( 1 ) ( A ). Delete immediately if the furnisher can not produce full verification. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Status : Charge Off Issue : This is not my account. The high balance, opening date, and activity do not match my history. This appears due to mixed identity from incorrect addresses. Provide original signed application or delete under FCRA 611. 
XXXX XXXX XXXX XXXX High Balance : {$290.00} Date Opened : XX/XX/XXXX Status : Late Payment Issue : I never made any late payments. The furnisher is reporting inaccurate payment history. I am disputing the late marks as false. Under FCRA 623 ( a ) ( 2 ), only accurate payment history can be reported. Correct this immediately. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$390.00} Date Opened : XX/XX/XXXX Status : Charge Off Issue : I never opened this account and have no knowledge of it. This is a false listing tied to incorrect personal information. Provide full verification or delete under FCRA 609 & 611. 
XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1500.00} Date Opened : XX/XX/XXXX Status : Charge Off Issue : This account is not mine and seems linked to one of the incorrect addresses. I never dealt with this credit union. Remove immediately if the furnisher can not validate ownership. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$5000.00} Date Opened : XX/XX/XXXX Status : Late Payment Issue : I never made any late payments on this account. The reported late payment history is false and inaccurate. Under FCRA 623 ( a ) ( 2 ), furnishers must report accurate information only. Correct this immediately. 
XXXXXXXX XXXX XXXX XXXX High Balance : {$490.00} Date Opened : XX/XX/XXXX Status : Collection Issue : Duplicate and inaccurate listing. This is the same debt reported twice under different names. Duplicate reporting violates FCRA 607 ( b ) accuracy standards. One or both must be removed immediately. 
XXXX XXXX XXXX XXXX  High Balance : {$170.00} Date Opened : XX/XX/XXXX Status : Collection Issue : I have no knowledge of this collection and never received any validation or original creditor information. Unverifiable data must be deleted under FCRA 611. 
XXXX XXXX XXXX XXXX XXXXXXXX High Balance : {$180.00} Date Opened : XX/XX/XXXX Status : Collection Issue : This account is not mine. I never conducted any online service or transaction matching this amount. Reported without proper documentation. Delete immediately if validation can not be produced. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$760.00} Date Opened : XX/XX/XXXX Status : Collection Issue : I do not recognize this account and have no record of any associated debt. XXXX has not provided any contract or proof. Under FCRA 611 ( a ), remove this account if it can not be fully verified. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$720.00} Date Opened : XX/XX/XXXX Status : Collection Issue : I have no knowledge of this debt. No statements, no contract, no validation from original creditor. This is unverified and must be deleted under FCRA 611 and FDCPA 809 ( b ) if validation can not be produced. 
XXXXXXXX XXXX XXXXXXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX Status : Collection Issue : This collection is not mine. I never received any service or product matching this balance. No original documentation has ever been provided. Under FCRA 607 ( b ) only accurate information may be reported. Delete if unverifiable. 
XXXXXXXX XXXX XXXX XXXXXXXX High Balance : {$230.00} Date Opened : XX/XX/XXXX Status : Collection Issue : I do not recognize this account and never received any dunning letter or validation. Under FDCPA and FCRA, furnish full proof of debt or delete immediately. 
XXXX XXXX XXXXXXXX High Balance : {$1200.00} Date Opened : XX/XX/XXXX Status : Collection Issue : This debt is unknown to me. I have no relationship with any company named XXXX. Without a signed contract and itemized validation, this account must be deleted under FCRA 611. 
INQUIRY DISPUTES UNAUTHORIZED / NO PERMISSIBLE PURPOSE XXXX  Inquiry Dated XX/XX/XXXX Unauthorized inquiry. No application was submitted. Delete under FCRA permissible-purpose rules. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Not mine. Never applied for any credit product. Must be removed. 
XXXX XXXX XXXX XX/XX/XXXX Not mine. No application submitted. Remove. 
XXXX XXXX XXXX XX/XX/XXXX No permissible purpose. Remove immediately. 
XXXX XXXX XXXX XX/XX/XXXX Unauthorized inquiry. No credit request made. Must be deleted under FCRA 604. 
I am requesting the CFPB to require each furnisher and each credit bureau to provide full documentation including signed contracts itemized statements and permissible purpose proof for inquiries and if such documentation can not be produced I demand immediate deletion of all unverifiable and unauthorized information listed above I am also requesting enforcement action for the repeated failure of the credit bureaus to properly investigate my prior disputes as required by FCRA 611 I am submitting this complaint in good faith and requesting the Consumer Financial Protection Bureau to intervene and ensure that my consumer rights are protected under federal law

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