Consumer complaint received 2025-11-28 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:
I reviewed my TransUnion credit report dated XX/XX/XXXX and found multiple inaccuracies and unauthorized items. My report lists two incorrect aliasesXXXX XXXX XXXX and XXXX XXXX XXXX are not my legal name. It also shows outdated and incorrect addresses at XXXX XXXX XXXX ( two listings ) and XXXX XXXX XXXX, as well as XXXX  unauthorized phone numbers that do not belong to me. 

Several account tradelines contain derogatory information that I dispute : XXXX XXXX XXXX XXXX XXXX ( # XXXX XXXX XXXX XXXX XXXX ) reporting a {$1400.00} chargedoff balance. I do not recognize this loan and no contract or payment history has been provided to verify it. 

XXXX XXXX XXXX XXXX XXXX ( # XXXX ) reported as charged off and later paid in full. No documentation has been supplied proving this account belongs to me. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  accounts ( # XXXX XXXX XXXX XXXX XXXX and # XXXX XXXX XXXX XXXX XXXX ) reporting 30day late payments in XX/XX/XXXX. My records show payments were made on time. 

XXXX XXXX XXXX XXXX XXXX ( # XXXX XXXX XXXX XXXX XXXX  ) showing a repossession with a balance of {$16000.00}. I dispute this repossession and have not received proof that this account is valid. 

XXXX XXXX XXXX  secured XXXX XXXX ( # XXXX XXXX XXXX XXXX XXXX ) shown as 120 days past due prior to closure. TransUnion has not provided documentation supporting this. 

DEPT OF EDXXXX multiple XXXX XXXX XXXX reporting late payments despite being in active deferment. Deferred loans must be reported as current. 

My report also contains around thirty unauthorized hard inquiries from auto dealers, lenders and financial institutions, including : XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion has not provided any signed authorization, applications or permissiblepurpose documentation for these inquiries. Instead, they continue issuing automated XXXX  responses rather than performing a manual reinvestigation as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

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