Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am submitting this complaint because my credit reports are showing several inaccurate collection accounts and an unauthorized inquiry that do not belong to me. These errors are violating FCRA requirements for accurate and verifiable reporting. I have no knowledge of these accounts, never opened them, and never authorized the inquiry. These wrongful entries are damaging my creditworthiness and causing financial harm. 
Wrong Address XXXX XXXX, XXXXXXXX XXXX XXXXXXXX is not my address and never belonged to me and should be deleted immediately because reporting wrong personal information violates FCRA 609 ( a ). 

Wrong Address XXXX XXXX, XXXXXXXX XXXX XXXXXXXX is not my address and should be removed because I have no connection to this location, and continuing to report it is harming me. 

Wrong Address XXXX XXXX, XXXXXXXX XXXX XXXXXXXX is also wrong and has nothing to do with me. These incorrect addresses create a mixed file, and this directly violates FCRAs requirement for accurate file matching. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance {$560.00} Date Opened XX/XX/XXXX Charge Off I have no knowledge of this account, never authorized it, never opened it, and never had any relationship with this creditor. This appears to be a case of incorrect reporting or identity confusion. Under FCRA 611 and 609 ( a ) ( 1 ) ( A ), provide full validation, otherwise delete immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX  High Balance {$390.00} Date Opened XX/XX/XXXX Late Payment This late payment is being reported incorrectly because I never made any late payments on this alleged account. The payment history is inaccurate, incomplete, and not consistent with my records. I am requesting correction of the payment history to show accurate reporting as required by FCRA 607 ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$390.00} Date Opened XX/XX/XXXX Charge Off I have no knowledge of this account. It is not mine, I never opened it, and no verifiable documentation exists. This is inaccurate and must be removed. 

XXXX XXXXXXXX XXXX XXXX High Balance {$13000.00} Date Opened XX/XX/XXXX Charge Off This account is completely unknown and not mine. This appears to be mixed file or identity confusion, and you are required to delete it if it can not be verified through lawful documentation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$1000.00} Date Opened XX/XX/XXXX Late Payment I never made any late payments on this account and the late payment reporting is incorrect. You are required to show accurate data only, and this information is wrong and must be corrected immediately. 

XXXX XXXX XXXX XXXX XXXX High Balance {$880.00} Date Opened XX/XX/XXXX Charge Off This is not my account, and I never opened or authorized anything with this creditor. Delete immediately for failure to verify. 

XXXX XXXX XXXX XXXX XXXX High Balance {$86.00} Date Opened XX/XX/XXXX Charge Off I have no knowledge of this account and never had any financial relationship with this creditor. This is inaccurate and must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} Date Opened XX/XX/XXXX XXXX This is another unknown and duplicated account from the same creditor. It is not mine, and I dispute this in full. Reporting duplicate or inaccurate accounts violates FCRA 607 ( b ). This must be removed immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance {$1000.00} Date Opened XX/XX/XXXX Collection I have no knowledge of this debt. No verifiable documentation exists connecting me to this alleged account. This is inaccurate reporting and must be deleted under FCRA 611. 

I am requesting CFPB assistance to have these inaccurate collection accounts and the unauthorized inquiry fully investigated and removed from my credit reports. They are harming my credit profile, impacting my financial opportunities, and causing ongoing stress. 
Thank you for your help.

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