Consumer complaint received 2025-12-15 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: MI

Complaint narrative:
I am submitting this complaint against TransUnion LLC for failure to comply with the Fair Credit Reporting Act FCRA 15 USC 1681 et seq. I have disputed multiple inaccurate incomplete and unverifiable items appearing on my TransUnion credit report and TransUnion has failed to properly investigate and correct these errors as required by law. 

This complaint serves as a formal dispute and demand under FCRA sections 1681s2 1681b and 1681c2 regarding inaccurate account reporting unauthorized hard inquiries and incorrect personal identifying information. 

The following accounts are inaccurately reported and must be removed if they can not be fully verified with complete documentation establishing accuracy and consumer responsibility. 

Disputed accounts include XXXX XXXX account number XXXX opened on XXXX with a reported balance of XXXX. XXXX XXXX XXXX account number XXXX opened on XXXX with a reported balance of XXXX. XXXX  account number XXXX opened on XXXX with a reported balance of XXXX. These accounts are inaccurate incomplete or not mine and TransUnion has continued to report them without proper verification. 

I am also disputing an unauthorized hard inquiry reported by TransUnion. XXXX XXXX dated XXXX was not authorized by me and TransUnion has failed to provide any signed documentation proving my authorization to access my consumer report as required under 15 USC 1681b.

In addition TransUnion is reporting extensive inaccurate personal information that does not belong to me and is contributing to mixed file errors and improper account associations. The following addresses are incorrect and must be deleted from my credit file. 

XXXX XXXXXXXX XXXX XXXXXXXX MI XXXX. XXXX XXXX XXXX XXXX MI XXXX. XXXX XXXX XXXX XXXX MI XXXX. XXXX XXXX XXXX XXXX MI XXXX. XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. XXXX XXXX XXXX XXXX MI XXXX. XXXX XXXX XXXX XXXX MI XXXX. XXXX XXXX XXXX XXXX MI XXXX. XXXX XXXX XXXX XXXX MI XXXX. XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. XXXX XXXX XXXX XXXX MI XXXX. XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. XXXX XXXX XXXX XXXX MI XXXX. XXXX XXXX XXXX XXXX MI XXXX. XXXX XXXX XXXX XXXX MI XXXX. 

TransUnion is also reporting incorrect employer information including ACCOUNTS XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX as well as multiple incorrect phone numbers that do not belong to me. 

My correct and current address is XXXX XXXX XXXX XXXX XXXX MI XXXX. 

Despite proper notice TransUnion has failed to conduct a reasonable reinvestigation and has continued to publish inaccurate information in violation of FCRA requirements. If TransUnion can not produce competent verifiable evidence including original contracts and proof of authorization for the disputed accounts and inquiry these items must be deleted.

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