Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
I am filing this complaint to report multiple violations of the Fair Credit Reporting Act ( FCRA ) by the credit bureaus and the data furnishers listed below. My credit file is currently reporting incorrect addresses, inaccurate late payments, unauthorized inquiries, and accounts I have no knowledge of, which are causing significant harm to me. 

XXXX. Wrong / Inaccurate Address Reporting The following addresses appearing on my credit reports are not mine, and I have no connection to them : XXXX XXXX, XXXX XXXX, CA XXXX WRONG ADDRESS This is a serious violation of FCRA 602A & 607 ( b ) requiring accurate, verifiable, and complete information. 
I am requesting the immediate removal of this incorrect address from my credit file. 

XXXX. Inaccurate Late Payment Reporting ( I was NEVER late ) XXXXXXXX XXXX Account XXXX High Balance : {$2800.00} Date Opened : XX/XX/XXXX Reporting : Late Payment INACCURATE I have never made a late payment on this account. This violates FCRA 623 ( a ) ( 1 ) ( A ). 
Request : Correct the payment history immediately. Do NOT delete the account. 

XXXX CO Account XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Reporting : Late Payment INACCURATE I have never been late on this account. 
Request : Correct the inaccurate reporting. Do NOT delete the account. 

XXXX. Charge-Off / Collection Reporting I HAVE NO KNOWLEDGE OF THIS ACCOUNT EXETER FIN Account XXXX High Balance : {$21000.00} Date Opened : XX/XX/XXXX Reporting : Charge-Off / Collection I have no knowledge of this account, have never opened it, and have never received any validation. 
This violates FCRA 609 ( a ) ( 1 ) and 611, requiring proper verification.

Request : DELETE this account immediately for failure to validate. 

XXXX. Unauthorized / Hard Inquiries I DID NOT AUTHORIZE THESE The following inquiries on my credit report were not authorized by me and constitute a violation of FCRA XXXX ( a ) ( XXXX ) : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX FIRST PREMIER XX/XX/XXXX XXXX XXXX XX/XX/XXXX These companies had no permissible purpose to access my credit file. 
Request : Remove all unauthorized inquiries immediately. 

FCRA RIGHTS VIOLATED FCRA 602 inaccurate reporting FCRA 609 right to disclosure and verification FCRA 611 right to dispute inaccurate information FCRA 623 duty of furnishers to report accurately FCRA 604 permissible purpose for inquiries REQUESTED RESOLUTIONS I am requesting the CFPB to enforce the following actions : Remove all incorrect addresses Correct all inaccurate late payments Delete all charge-off/collection accounts I have no knowledge of Remove all unauthorized inquiries Require the furnishers and credit bureaus to provide full written verification within 30 days as required by law I certify that all statements made in this complaint are true and accurate to the best of my knowledge. 
Thank you for your attention to this matter. I am requesting a full investigation and written response from the credit bureaus and data furnishers.

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