Consumer complaint received 2025-11-11 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:
b"Dear Consumer Financial Protection Bureau,\nI am filing this complaint because several credit bureaus and furnishers are reporting inaccurate, unverifiable, and unauthorized information on my credit reports. I have previously contacted the credit reporting agencies to dispute these items, but the issues remain unresolved. I am requesting the CFPBs assistance in conducting a full investigation and ensuring compliance with the Fair Credit Reporting Act (FCRA).\nThe following items are being reported incorrectly:\nDisputed AccountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Date OpenedXXXX XXXX  have no knowledge of this account. Please verify its accuracy or remove it from my credit report.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Date Opened: XXXX have no knowledge of this account. It appears to be erroneous and must be deleted if validation cannot be providedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis account does not belong to me. Please provide full documentation or remove itXXXX XXXX XXXX   Late PaymentXXXX High Balance: XXXX | Date Opened: XXXX  have never made late payments on this account. The payment history must be corrected to reflect timely paymentsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Date Opened: 10/16/2018\nThis account is inaccurately reporting late payments. I have consistently made on-time payments. Please correct this reportingXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis account is incorrectly reporting late payments. Please correct to show positive payment history.\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened: 11/24/2018\nThis account should not reflect any late payments. Please review payment history and correct inaccuracies.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Date Opened: XXXX  have no knowledge of this charge-off. Please verify or remove from my credit file.XXXX XXXX XXXX  Late Payment** High Balance: XXXX XXXX XXXX XXXX XXXXThis account was never late. Please correct the payment history immediatelXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have no knowledge of this account. Please verify its accuracy or delete it immediately.\nUnknown Account XXXX XXXX XXXX XXXX XXXX | Date Opened: XXXX have never opened this account. This appears to be fraudulent or reported in error and must be deleted if unverifiableXXXX XXXX   Late Payment High Balance: XXXXXXXX  | Date Opened: XXXXhis account is inaccurately reporting late payments. I have never made late payments on this account, and it must be corrected immediatelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Date Opened: XXXXThis account is incorrectly showing late payments. I have always paid on time, so please update the payment history to reflect accurate reporting.\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Date Opened: XXXXThis account is incorrectly marked with late payments. I request that the payment history be corrected to reflect on-time payments.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have no knowledge of this collection account. Please verify ownership and legitimacy; otherwise, remove it from my report.\nUnauthorized or Questionable InquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not authorize several of these inquiries and have no business relationship with many of these companies. Under the FCRA, all unauthorized hard inquiries must be deleted from my credit report unless written proof of my consent is provided.\nRequested Resolution\n1.\tI request that the CFPB ensure that the credit reporting agencies conduct a lawful and complete reinvestigation of each item listed above.\n2.\tAny unverifiable, inaccurate, or unauthorized account or inquiry must be permanently deleted from my credit file.\n3.\tI also request confirmation of all results and documentation used to verify these accounts.\n4.\tI request that the furnishers be required to comply with FCRA 609 and 611 regarding proper validation, verification, and reporting accuracy.\nThese inaccuracies are causing ongoing damage to my credit reputation and financial standing. I am providing copies of my government-issued ID and proof of address to assist in your review and verification process.\nThank you for your attention and assistance in resolving these violations of my rights under the Fair Credit Reporting Act."

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