Consumer complaint received 2025-12-29 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: FL

Complaint narrative:
I am submitting this complaint regarding TransUnions failure to ensure the maximum possible accuracy of my credit file, as required under the Fair Credit Reporting Act. Despite my right to a complete and lawful reinvestigation, TransUnion is reporting information that is inaccurate, unverifiable, or does not belong to me, and this reporting continues to harm the integrity of my credit profile. 
The address XXXX XXXX XXXX, XXXX, FL XXXX is not my address. I have no knowledge of this address, I have never lived at this location, and it has no connection to me. TransUnion has no permissible basis to associate this address with my credit file. This address must be deleted immediately. 
The account reported as XXXXXXXX XXXX XXXX, account ending XXXX, opened on XX/XX/XXXX, is inaccurately reporting late payment history. I am disputing the accuracy of the late payment reporting only. TransUnion must ensure that any late payments being reported are fully verified and accurate, and if they can not be verified, the late payment history must be corrected. 
The account XXXX, account XXXX XXXX, opened XX/XX/XXXX, is reporting late payments that are inaccurate. I am disputing only the late payment history on this account. Any late payment information that can not be substantiated through a lawful reinvestigation must be corrected. 
The account XXXX XXXX XXXX XXXX, account ending XXXX, opened XX/XX/XXXX, is reporting late payments that I dispute as inaccurate. I am not disputing ownership of the account itself, only the accuracy of the late payment reporting. TransUnion is required to correct any late payment history that can not be properly verified. 
The account XXXX XXXX XXXX, account ending XXXX, opened XX/XX/XXXX, is inaccurately reporting late payments. I am disputing only the late payment history and requesting that TransUnion correct this reporting following a proper investigation. 
Multiple student loan tradelines reported as XXXX XXXX, including accounts XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, are all reporting late payment history that is inaccurate. I am disputing the late payment reporting only for each of these accounts. TransUnion must verify the accuracy of every late payment entry individually, and any late payment information that can not be fully substantiated must be corrected or removed. 
The account XXXX XXXX, account XXXX, opened XX/XX/XXXX, is reported as a charge-off that I do not recognize and have no knowledge of. This account does not belong to me. TransUnion must delete this account unless it can be verified as mine through proper documentation. 
The account XXXX XXXX, account XXXX, opened XX/XX/XXXX, is also reported as a charge-off that I do not recognize and have no knowledge of. This account is not mine and must be deleted if it can not be fully verified. 
The account XXXX XXXX, account ending XXXX, opened XX/XX/XXXX, is reported as a charge-off that I do not recognize and have no knowledge of. This account does not belong to me and must be removed unless TransUnion can lawfully verify it. 
The inquiry listed as XXXX  dated XX/XX/XXXX, was not authorized by me. I did not provide permissible purpose for this inquiry, and it should not be appearing on my credit report. This inquiry must be deleted. 
I am requesting that the CFPB require TransUnion to conduct a lawful, thorough reinvestigation of each item listed above, to correct or delete any information that can not be fully verified, and to ensure my credit file reflects only accurate and lawful information. I also request written confirmation of all corrections and deletions made as a result of this complaint.

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