Consumer complaint received 2025-12-05 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: SC

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, unauthorized, and unverifiable items appearing on my credit reports with Equifax, Experian, and TransUnion, which are severely impacting my creditworthiness. My personal information has been misreported with addresses that are not mine, including XXXX XXXX, XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX, and XXXX XXXX XXXX, XXXX, SC XXXX, all of which I have never lived at, applied with, or been associated with, and these must be removed immediately. Additionally, a hard inquiry was made without my authorization, including XXXX XX/XX/XXXX, which violates FCRA 604 ( a ) and 605B and must be deleted.

Furthermore, I am disputing multiple charge-off and collection accounts as inaccurate, unverifiable, and potentially fraudulent. The following charge-offs are disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Balance {$1100.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Balance {$160.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Balance {$0.00} ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Balance {$1400.00} ), XXXX  XXXXXXXX XXXX XXXX XXXX XXXX ( Balance {$0.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Balance {$0.00} ), and XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Balance {$1300.00} ). Additionally, the following collection accounts are disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Balance {$1600.00} ), XXXX ( Original Creditor : THE XXXX AT XXXX XXXX XXXX XXXX *, Balance {$310.00} ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$1100.00} ), XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$870.00} ), XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$540.00} ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$9400.00} ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$1700.00} ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$2100.00} ), Original Creditor : XXXX XXXX XXXX XXXX XXXX ( Balance {$100.00} ), Original Creditor : XXXX XXXX XXXX XXXX XXXX ( Balance {$520.00} ), Original Creditor : XXXX XXXX XXXX XXXX XXXX ( Balance {$340.00} ), and Original Creditor : XXXX  XXXX XXXX XXXX XXXX ( Balance {$260.00} ). I have never received bills or notices for these accounts, never authorized the services or charges, and request that the credit bureaus obtain original signed contracts, billing statements, and all documentation used to verify these debts. If such documentation can not be provided, these accounts must be deleted immediately under FCRA 611 ( a ) ( 5 ) ( A ).

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