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:
I am filing this formal complaint because several furnishers and the credit reporting agencies are reporting inaccurate and unverified information about the accounts listed below. These accounts contain severe factual errors, lack proper validation, and violate my rights under the Fair Credit Reporting Act ( FCRA ) including but not limited to : FCRA 602 ( A ), 607 ( B ), 611, and 623. I have contacted the credit bureaus requesting proper verification of these accounts, but they failed to conduct a reasonable reinvestigation as required by FCRA 611. I am submitting this complaint so the Consumer Financial Protection Bureau can take action and require the furnishers and credit bureaus to correct these violations immediately. These accounts continue to cause severe harm to my creditworthiness, my financial stability, and my ability to obtain housing, transportation, and basic necessities. Below are the accounts that must be reinvestigated properly : WRONG ADDRESSES FULL EXPANDED DETAILS XXXX XXXX, XXXX, LA XXXX Wrong Address This address is not mine and has no connection to my identity, residence history, employment, or any application I have ever submitted. I have never lived here and have no documents linking me to this location. This proves a mixed-file or identity-related issue. Under FCRA 1681e ( b ), this must be removed immediately. 
XXXX XXXX, XXXX, LA XXXX Wrong Address I have never lived at this address and never used it for any credit or housing application. This is a false and damaging entry, showing my file is mixed with someone elses information. 
ACCOUNT DISPUTES EXPANDED DETAILS XXXX XXXX Acct XXXX High Balance : {$87000.00} Opened : XX/XX/XXXX Status : Late Payment I am disputing the late payment history because I have never been late on this account. There is no documentation showing any missed payment, and the reported delinquency is false and unverified. I am requesting correction of the payment history because this late mark is damaging my file and is not accurate. 
XXXX XXXX Acct XXXX High Balance : {$43000.00} Opened : XX/XX/XXXX Status : Charge Off I have no knowledge of this account. I never opened it, never signed anything, never received any bill, and never authorized this debt. This appears to be fraudulent or mixed-file information. If the furnisher can not provide full validation, including my signed contract, billing history, and original creditor documentation, this account must be deleted. 
XXXX Acct XXXX High Balance : {$8400.00} Opened : XX/XX/XXXX Status : Collection This is a duplicate listing of the same collection account with a different date. Duplicate collections are illegal under FCRA because they artificially damage a consumers credit. This duplicate entry must be deleted immediately. 
These inquiries were NOT authorized by me, I did NOT apply for credit with these companies, and they have NO permissible purpose under FCRA 15 U.S.C. 1681b. I am requesting immediate removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I respectfully request the CFPB to : 1. Force the furnishers to provide full documentation, validation, and legal proof of these accounts.

2. Require the credit reporting agencies to conduct a full, lawful reinvestigation as required under FCRA 611. 
3. Delete all accounts that can not be 100 % verified with proper documentation. 
4. Hold the furnishers accountable for reporting inaccurate, unverified, and harmful information. 
I certify that all statements above are true and correct to the best of my knowledge. 
Thank you for your assistance in resolving 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 non-monetary relief