Consumer complaint received 2025-08-04 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: TX

Complaint narrative:
I am writing to formally dispute several inaccurate and fraudulent items on my credit reports that have caused me significant distress and damage to my creditworthiness. After careful review, I found that certain accounts and addresses appearing on my credit file do not belong to me, and I believe these errors stem from mistaken identity or mixed files due to similarities in name and address with other individuals. 

The first disputed account is XXXX ( Account ending XXXX ) with a reported balance of {$830.00}. I have never applied for, used, or had any relationship with this creditor. To my knowledge, this account was incorrectly listed as a charge-off or profit/loss write-off. According to IRS rules, if any debt forgiven exceeds {$600.00}, a 1099-C form must be issued to the debtor for tax purposes. I never received such a form, which strongly indicates this debt was never mine. Keeping such inaccurate information on my credit report violates the Fair Credit Reporting Acts provisions for accuracy and identity theft protection ( FCRA 1681e ( b ) and 605B ). This account has since been removed from both TransUnion and Experian, confirming the legitimacy of my claim. 

The second account, XXXX ( Account XXXX XXXX ) with a {$0.00} balance, was also fraudulently associated with my credit profile. Despite having no knowledge or authorization of this account, it was listed and negatively affected my creditworthiness. After investigation, TransUnion and Experian both removed this inaccurate account. 

Similarly, the XXXX ( Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  tradeline with a balance of {$160.00} was never opened or authorized by me. This account appeared due to erroneous data matching, likely caused by identity confusion. Its removal by both TransUnion and Experian supports the fact that it was not mine. 

In addition to these erroneous accounts, I have noticed several addresses linked to my credit profile that I have never lived at, which have likely contributed to the inaccurate reporting of these accounts. These addresses include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am certain these addresses belong to other individuals and should not be associated with my credit file. 

The combination of these inaccurate accounts and addresses has caused unwarranted harm to my credit reputation, limiting my ability to secure fair credit opportunities. I respectfully request that these fraudulent accounts and inaccurate personal information be permanently blocked from my credit reports and prevented from reappearing unless valid, documented proof of my connection to them is provided.

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