Consumer complaint received 2025-12-09 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: ME

Complaint narrative:
This is a formal complaint against TransUnion and the furnishers listed below. I have disputed these items multiple times, but the credit bureaus continue verifying them without providing any real documentation. Their investigations are automated and violate FCRA 602, 607 ( b ), 609 ( a ), and 611. None of the accounts or inquiries listed below have been verified with original signed contracts, payment logs, billing statements, identity validation, or proof of authorization. The furnishers have failed to comply with FCRA 623 by reporting inaccurate and unverified information. I am requesting CFPB intervention and enforcement. 
WRONG ADDRESSES REMOVE IMMEDIATELY XXXX XXXX XXXX, NC XXXX Wrong Address. I have never lived at this location, never used it, and no account of mine has ever been connected to it. You have not provided a lease, utility bill, government record, or any documentation supporting this address. This is a mixed-file error and violates FCRA accuracy requirements. 
XXXX XXXX XXXX, FL XXXX Wrong Address. This location is not mine and has no association with me. Reporting this places my identity at risk and shows your system is mixing unrelated information. You failed to verify this address in the previous investigation because no such documents exist. 
ACCOUNTS FULL REINVESTIGATION WITH PROOF REQUIRED XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Payment Issue : The late payment history is completely inaccurate. You provided no statements, no due date records, no timestamp logs, and no proof I was ever late. Under FCRA unverifiable late payments must be removed. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Payment Issue : This late payment is false. Your prior investigation used automated system data instead of documented evidence. I demand complete verification including transaction logs, full payment history, and original creditor validation. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Payment Issue : You reported a late payment without showing any billing statement, missed due date record, or delinquency notice. If a late payment actually occurred, you must show exact evidence. Failure to verify means this reporting is inaccurate. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Payment Issue : This late payment is false. You failed to show any creditor documentation, signed paperwork, or verification. This must be corrected or removed. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX XXXX : I was never late. Your verified response was automated and not supported by any documentation. XXXX responses do not meet FCRA verification standards. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Payment Issue : The late payment reporting is not accurate. You have not shown billing cycles, timestamps, or proof of delinquency. This must be removed if unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX : This is an inaccurate late payment. No original creditor records or documents have been provided. Under the FCRA unverifiable negative information must be deleted. 
XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Charge Off Issue : I have no knowledge of this account. You failed to provide a signed contract, application, card usage logs, or any proof. This is unverifiable and must be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX : This late payment is false. You did not provide billing statements, timestamps, or proof I was ever late. Without verification this must be removed. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Payment Issue : This late payment is inaccurate. Your verification letter was automated and not supported by real documentation. I demand due date records, payment logs, and full billing history. If you can not provide these, delete it. 
XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Charge Off Issue : I have no knowledge of this account. For a charge-off you must provide itemized billing, usage history, identity confirmation, and contract signature. You did not provide any such proof. This is unverifiable and must be removed. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Payment Issue : This late payment is false. You have provided no timestamps, no billing records, and no signed documents. Inaccurate reporting violates FCRA 607 ( b ) and must be corrected. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Late Payment Issue : This late payment is inaccurate. You did not provide any proof such as billing statements, payment history, or due date records. I did not make a late payment. Under FCRA 607 ( b ) you must maintain maximum accuracy and remove anything that can not be validated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Charge Off Issue : I have no knowledge of this charge-off. A charge-off requires substantial documentation including the original contract, identity verification, itemized billing, and full transaction history. You provided none of these. Without complete verification, this account must be deleted. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Payment Issue : This late payment reporting is incorrect. You did not produce any due date proof, billing cycles, or delinquency notices. Automated data is not acceptable under the FCRA. If original documentation can not be provided, remove the late payment immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Collection Issue : I have no knowledge of this collection account. You must show proof such as the original creditor agreement, itemized balance details, and validation of debt including identity match. No such documents have been provided. This must be deleted due to unverifiable status. 
HARD INQUIRIES UNAUTHORIZED AND NOT VERIFIED XXXX XXXX XXXX : XX/XX/XXXX Issue : I did not authorize this inquiry. Under FCRA 604 ( a ) ( 3 ) no inquiry can appear without my written or electronic consent. You failed to show proof of authorization. 
XXXX XXXX Date : XX/XX/XXXX Issue : I did not apply for credit with this company. Provide proof of consent or delete this inquiry. 
XXXX XXXX Date : XX/XX/XXXX Issue : Unauthorized inquiry. No verification of my permission was provided. 
XXXX XXXX  Inquiry Date : XX/XX/XXXX Issue : I did not authorize this pull. Show signed application or remove. 
XXXX XXXX Date : XX/XX/XXXX Issue : This is another unapproved inquiry. Reported without my consent. Must be deleted under FCRA if unverifiable. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : I have no record of applying for credit with this lender. You must show the application and my permission. 
XXXX XXXX XXXX Date : XX/XX/XXXX Issue : Unauthorized inquiry. Your prior investigation failed to show any proof that I initiated this credit request. 
XXXX XXXX Date : XX/XX/XXXX Issue : I did not authorize this inquiry. You must provide written proof or remove it. 
CFPB Action Requested I request the CFPB to require the credit bureaus and data furnishers to : 1. Provide full method of verification including original signed contracts, payment logs, billing statements, and authorization documents 2. Remove all accounts and inquiries that can not be verified with real evidence 3. Enforce compliance with FCRA 602, 607 ( b ), 609 ( a ), 611, and 623 4. Prevent further inaccurate or misleading reporting on my credit file 5. Provide written confirmation once corrections and deletions are completed These violations are affecting my creditworthiness, financial opportunities, and causing emotional and financial harm. I need CFPB assistance to correct these unlawful reporting practices.

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