Consumer complaint received 2025-12-01 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: LA

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, unverifiable, and unauthorized items on my credit report. These accounts are negatively affecting my creditworthiness, and I have no knowledge or relationship with many of them. Reporting such false information violates the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and applicable state laws. I demand a full investigation, correction, or deletion of these items. 
XXXX XXXX, XXXX, LA XXXX This address is not associated with any of my financial accounts. Its reporting constitutes false information under FCRA XXXX XXXX. Such misreporting can lead to mistaken identity and potential fraud. I demand its removal to protect my credit integrity. 

XXXX XXXX, XXXX, LA XXXX XXXX this incorrect address violates my rights and creates confusion regarding my identity. This misrepresentation could negatively impact future credit opportunities. XXXX correction or deletion is required. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXigh Balance : {$1600.00} Date Opened : XX/XX/XXXX I have no knowledge of this account. Reporting a charge-off without verification is a violation under FCRA Section XXXX and FDCPA XXXX XXXX. This false reporting negatively affects my XXXX XXXX, and I demand immediate deletion. This account XXXX also indicate possible identity theft or reporting error. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXgh Balance : {$640.00} Date Opened : XX/XX/XXXX I deny any responsibility for this account. Charge-off reporting is inaccurate and misleading. Including unverifiable accounts violates FCRA Section XXXX and XXXX constitute negligent reporting. XXXX removal is required. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$1600.00} Date Opened : XX/XX/XXXX I have never opened or authorized this account. Its charge-off reporting is false and harmful. Such erroneous reporting XXXX result in loss of credit opportunities. I demand its deletion from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$1000.00} Date Opened : XX/XX/XXXX I have no knowledge of this account. Reporting a charge-off for an account I did not open is a clear violation of FCRA, and I demand its removal. Continued reporting could indicate potential identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$840.00} Date Opened : XX/XX/XXXX This account is not mine. Reporting this charge-off damages my credit and misrepresents my financial history. FCRA Section XXXX requires immediate investigation and correction. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$2000.00} Date Opened : XX/XX/XXXX I dispute the legitimacy of this account. Its charge-off status is inaccurate. Reporting false information is unlawful and must be removed to prevent further credit harm. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXigh Balance : {$1500.00} Date Opened : XX/XX/XXXX I deny any knowledge or association with this account. XXXX this as charge-off is inaccurate and a violation of FCRA. XXXX deletion is required. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$1000.00} Date Opened : XX/XX/XXXX The reported late payment is incorrect. I have never made late payments on this account. Incorrect reporting misrepresents my payment history and violates FCRA XXXX XXXX. I demand correction of the payment status and updating of my account history to reflect accurate information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$19000.00} Date Opened : XX/XX/XXXX The late payment designation is false. I have consistently met all payment obligations. This incorrect reporting negatively impacts my creditworthiness and must be corrected immediately under FCRA Section XXXX and XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$460.00} Date Opened : XX/XX/XXXX I deny any knowledge of this account. XXXX this as a collection is inaccurate and misleading. Its presence on my credit report is damaging. XXXX deletion is demanded. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$890.00} Date Opened : XX/XX/XXXX This account is not mine. Reporting it as a collection violates FCRA and FDCPA. I demand immediate removal to protect my credit integrity. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXigh Balance : {$1500.00} Date Opened : XX/XX/XXXX I have no relationship with this account. Its collection reporting is false, harmful, and legally disputable. XXXX deletion is required. 

XXXX XX/XX/XXXX I have not applied for credit with this entity. This inquiry is unauthorized and must be removed. 

XXXX XXXXXX/XX/XXXX This inquiry was not authorized. Its reporting is inaccurate under FCRA XXXX XXXX. Removal is demanded. 

These inaccurate, unverifiable, and unauthorized accounts are causing substantial harm to my credit, including denial of credit opportunities and damage to my financial reputation. Under FCRA, CFPB has the authority to investigate and require credit bureaus and furnishers to correct or delete false information. I request CFPB to compel all relevant entities to investigate and resolve these inaccuracies promptly and provide me with written confirmation of all actions taken.

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