Consumer complaint received 2026-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I am submitting this formal CFPB follow up complaint regarding inaccurate, incomplete, and potentially unverifiable information currently being reported on my Experian , Equifax, and TransUnion consumer credit files. This complaint is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including 1681e ( b ), 1681i, 1681g, and 1681s-2, due to the continued reporting of inaccurate personal identifiers, mixed-file name variations, incorrect addresses, charge-offs, collections, and a repossession that I dispute as not properly verified or not fully attributable to me. Specifically, I dispute the following name variations being reported on my consumer file as inaccurate or not belonging to me : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX. I also dispute inaccurate address information including XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX XXXX, as these addresses are not associated with my verified residential history and raise concerns of mixed-file reporting and improper identity association under FCRA 1681e ( b ). Additionally, I dispute the reporting of a late closed account XXXX XXXX XXXX XXXXXXXX XXXX reporting a {$0.00} balance with dates of XX/XX/XXXX and XX/XX/XXXX, as well as multiple charge-off accounts including XXXX XXXX XXXX XXXX XXXX XXXX ( {$0.00} balance ), XXXX XXXX XXXX XXXX XXXX XXXX ( {$160.00} balance ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$460.00} balance ), XXXX XXXX XXXX XXXXXXXX ( {$0.00} balance ), XXXX XXXX XXXX ( {$0.00} balance ), and XXXX XXXX XXXX ( {$110.00} balance ), all of which I dispute as inaccurate, incomplete, or not properly verified through competent documentation. I further dispute a repossession account XXXX XXXX XXXX reporting a {$0.00} balance, as well as multiple collection accounts including XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( {$380.00} balance ), XXXXXXXX XXXX XXXX XXXX ( {$1300.00} balance ), XXXXXXXX XXXX XXXX XXXX ( {$580.00} balance ), XXXX XXXX XXXXXXXX ( {$100.00} balance ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$700.00} balance ), and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( {$380.00} balance ), as these items appear duplicated, inconsistent, or not fully verified as required under federal law. I have not been provided sufficient documentation such as complete account histories, payment records, charge-off verification, or chain of assignment for collection accounts to substantiate the accuracy of these entries. The continued reporting of this information raises serious concerns regarding compliance with FCRA 1681e ( b ), 1681i, 1681g, and 1681s-2, including whether reasonable reinvestigation procedures and proper furnisher verification have been conducted.

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 explanation