Consumer complaint received 2025-11-11 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: FL

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint to request an immediate investigation and correction of multiple inaccuracies and violations on my consumer credit file. The listed items are being reported inaccurately, causing serious harm to my creditworthiness, financial standing, and reputation. The following information contains all disputed accounts, inquiries, and wrong addresses that violate federal laws under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Address XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, FL XXXX These addresses are not mine and were never used by me in any verified application or credit transaction. Reporting these wrong addresses violates FCRA 1681e ( b ) which requires consumer reporting agencies to maintain maximum possible accuracy in the file of each consumer. Retaining false addresses can cause confusion and misassociation of accounts. I request immediate removal of these addresses as they are not linked to my verified identity. 

Account XXXXXXXX XXXX XXXX XXXX Account # XXXX Balance : {$1800.00} Opened XX/XX/XXXX Late Payment This account is inaccurately reporting late payments that never occurred. I have never received proper notice nor validation showing any delinquency. Under FCRA 1681i ( a ), the bureau must reinvestigate and verify any disputed data. Reporting false late payments damages my reputation and violates the requirement of accuracy. I request deletion or full correction of this item immediately. 

XXXX  XXXX Account # XXXX Balance : {$17000.00} Opened XXXX XXXX, XXXX Charge Off This charge-off is not accurate or verifiable. I never received any validation or evidence of default or written communication supporting a charge-off. Reporting unverifiable derogatory data violates FCRA 1681s-2 ( b ) and 1681e ( b ). The creditor failed to notify me properly, and the account appears to have been reported in error. Please remove this account. 

XXXX XXXX Account # XXXX Balance : {$21000.00} Opened XX/XX/XXXX Charge Off This account is listed as a charge-off without any valid documentation proving it belongs to me. FCRA 1681c ( a ) ( 5 ) prohibits reporting inaccurate negative data and 1681i ( a ) mandates reinvestigation. The account is unverifiable, and no signed contract or billing record has been provided. I demand deletion of this account. 

XXXX / XXXX Account # XXXX Balance : {$1700.00} Opened XX/XX/XXXX Charge Off This item is being reported incorrectly as charged-off. I have never defaulted on any payment obligation with this creditor, nor did they provide any proof or written notice of charge-off. Under FCRA 1681b ( a ) ( 2 ) and 1681e ( b ), this data must be verified or removed for failure to meet accuracy standards. 

XXXX XXXX, XXXX Account # XXXX Balance : {$0.00} Opened XX/XX/XXXX Charge Off This charge-off entry is invalid and lacks documentation. Reporting a charge-off with XXXX balance is contradictory and misleading under FCRA 1681e ( b ). This false entry suggests delinquency where none exists, and it should be permanently deleted. 

CAPITAL COMM BANK/TLS Account # XXXX Balance : {$0.00} Opened XX/XX/XXXX Late Payment This late payment record is inaccurate. I was never notified of any missed or delayed payments. Reporting unverified late payments breaches FCRA 1681s-2 ( b ) which requires furnishers to ensure data integrity and proper correction of errors. 

XXXX XXXX XXXX Account # XXXX Balance : {$7000.00} Opened XX/XX/XXXX Collection This collection account is not mine. I never entered into any agreement or consented to this debt. FCRA 1681b ( a ) prohibits reporting without permissible purpose, and FDCPA 809 ( b ) requires validation of debt. Since no validation has been provided, this collection must be deleted. 

XXXX Account # XXXX Balance : {$3000.00} Opened XX/XX/XXXX Collection I dispute this collection because it is inaccurate and unverifiable. I never had an outstanding account with XXXX, nor was I notified of any delinquency. Reporting this without proper validation violates FCRA 1681e ( b ) and FDCPA 807 ( 8 ). Please delete this entry immediately. 

XXXX XXXX Account # XXXX Balance : {$2500.00} Opened XX/XX/XXXX Collection This alleged collection is not mine and has been reported without lawful verification. Under FCRA 1681i ( a ), the bureau must conduct a reinvestigation and remove unverifiable accounts. The reporting violates my rights to fair and accurate credit reporting. 

XXXX XXXX XXXX Account # XXXX Balance : {$2300.00} Opened XX/XX/XXXX Collection This medical collection is invalid. I never authorized any account or treatment tied to this collection. Under FCRA 1681b ( a ) ( 2 ) and XXXX regulations, personal medical debt can not be disclosed or reported without consent. I request deletion of this account. 

XXXX Account # XXXX Balance : {$1700.00} Opened XX/XX/XXXX Collection This Sprint account is not mine and was likely added in error or through identity confusion. Reporting this account violates FCRA 1681e ( b ) for failing to ensure maximum possible accuracy. Please delete immediately as unverified. 

XXXX XXXX XXXX XXXX. Account # XXXX Balance : {$610.00} Opened XX/XX/XXXX Collection This collection account is reported inaccurately. I have never defaulted or received any charge-off notice. This entry is unverifiable and violates FCRA 1681i and 1681s-2 ( b ). Please remove it permanently. 

XXXX XXXX XXXX. Account # XXXX Balance : {$470.00} Opened XX/XX/XXXX Collection This Capital XXXX collection is false. I never authorized or owned this account. Under FCRA 1681b and FDCPA 809 ( b ), reporting a debt without validation constitutes a violation. I request its deletion. 

Inquiries XXXX XX/XX/XXXX This inquiry was not authorized by me. Reporting unauthorized inquiries breaches FCRA 1681b ( a ) which mandates permissible purpose. Please remove this inquiry immediately. 

XXXX XXXX XXXX XX/XX/XXXX I never applied for credit with this company, making this inquiry unlawful. Under FCRA 1681b ( f ), a credit bureau may only furnish reports for permissible purposes. This inquiry must be deleted at once.

All the above items are negatively impacting my credit report in violation of FCRA 602 ( A ), 607 ( B ), 611 ( A ), and FDCPA 807, 809. I request the CFPB to open a formal investigation, demand verification and deletion of all inaccurate, unverifiable, and unauthorized items listed herein, and hold the furnishers and credit bureaus accountable for noncompliance. The consistent violation of my consumer rights has caused financial distress, emotional harm, and unfair credit denial. I am seeking immediate corrective action, verification documentation, and written confirmation upon resolution.

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