Consumer complaint received 2025-03-25 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: MS

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SSN : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Relations Department XX/XX/XXXX Subject : Request to Correct Mistakes on My Credit Report Dear TransUnion Team , I recently took a look at my credit report and spotted some errors that Id like your help fixing. These inaccuracies are affecting my credit, and Id really appreciate it if you could investigate and correct them. The Fair Credit Reporting Act ( FCRA ) gives me the right to dispute wrong information, and Im hoping you can assist me with the items below.

Items Im Disputing : Incorrect Personal Information Former Name : XXXX, XXXX Why Its Wrong : This is a misspelling ; my legal name is XXXX XXXX. 
What I Want : Please update this to my correct name. 
Incorrect Personal Information Also Known As : XXXX, XXXX Why Its Wrong : This isnt an alias Ive used ; its an error. 
What I Want : Please remove this from my report. 
Incorrect Late Payment Account : XXXXXXXX XXXX  XXXX ( Account # XXXX ) Why Its Wrong : Ive always paid this account on time ; the late payment is a mistake. 
What I Want : Please update the payment status to show all payments as on-time. 
Incorrect Charge-Off Account : XXXXXXXX XXXX XXXX XXXXXXXX ( Account # XXXX ) Why Its Wrong : This charge-off is inaccurate and shouldnt be on my report. 
What I Want : Please remove this from my credit report. 
Incorrect Charge-Off Account : XXXX XXXX XXXX Account # XXXX ) Why Its Wrong : This charge-off doesnt belong on my report ; its incorrect. 
What I Want : Please remove this from my credit report. 
Incorrect Late Payment Account : XXXXXXXX XXXX  ( Account # XXXX ) Why Its Wrong : I was never late on this account ; this is an error. 
What I Want : Please update the payment status to reflect on-time payments. 
What Im Requesting Under FCRA Section 611 ( 15 U.S.C. 1681i ), I can ask you to investigate these issues. Heres what Id like : Please verify these items with the furnishers who reported them. 
Remove or correct the inaccurate details within 30 days, as the law requires.

Send me an updated credit report once its all sorted out ( FCRA 1681i ( a ) ( 6 ) ( B ) ( ii ) ).

Itd be great if you could let me know : The name and address of each furnisher you contact. 
The date you reach out to them. 
How you get in touch ( phone, email, etc. ).

Why This Is Important These errors are making things harder for me financially, and Im really hoping to get them cleared up with your help. Thanks for taking the time to look into thisIm c
ounting on your support and looking forward to hearing back within the FCRAs 30-day timeframe. 

Warm regards, XXXX XXXX

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