Consumer complaint received 2025-11-18 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:
Consumer Financial Protection Bureau ( CFPB ) I am filing this complaint because the credit bureaus ( XXXX XXXX and TransUnion ) and the listed furnishers have repeatedly violated the Fair Credit Reporting Act ( FCRA ) by reporting fraudulent, inaccurate, unverified, and unauthorized information on my credit reports. Despite submitting disputes previously, the bureaus intentionally refused to properly investigate any item, violating 15 U.S.C. 1681i, 1681e ( b ), and 1681s-2 ( b ). The accounts listed below have NEVER been validated nor verified with proper documentation.

These errors are causing me financial damage, credit score drop, emotional distress, and harm in obtaining housing, employment, and credit opportunities. I am requesting immediate CFPB enforcement intervention. 
WRONG ADDRESSES REMOVE IMMEDIATELY XXXX XXXX XXXX, XXXX, TX XXXX WRONG ADDRESS This address has NEVER belonged to me at any point. Reporting this is a direct violation of FCRA accuracy requirements. Leaving this wrong address increases the risk of mixed file, identity fraud, and improper account linking. DELETE IMMEDIATELY. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX WRONG ADDRESS I have no connection to this address. You failed to validate this after my XXXX XXXX. Continued reporting is negligence and is causing me ongoing harm. REMOVE NOW. 
ACCOUNTS INVESTIGATION FAILURE, WRONG REPORTING, IMMEDIATE ACTION REQUIRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$270.00} Charge Off * * I have XXXX KNOWLEDGE of this alleged debt. No contract, no proof, no validation has ever been provided. Reporting this is illegal without furnishing proper documentation under FCRA XXXX ( a ) ( XXXX ). REMOVE THIS CHARGE-OFF IMMEDIATELY. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX Balance : {$500.00} Late Payment * * I DID NOT make late payments. This reporting is 100 % inaccurate. You failed to verify after XXXX XXXX. I demand correction to a perfect payment history, or complete deletion if you can not validate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off * * I dispute this account in its entirety. I have no proof this debt belongs to me. No contract or signature exists. Incorrectly reporting a charge-off with no validation violates XXXX ( b ). DELETE. 
XXXX XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX Balance : {$63.00} Charge Off * * I deny owing this debt. This looks like a mixed file or identity error. Reporting without proof is a violation of XXXX. DELETE IMMEDIATELY. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * Late payment history is false. I NEVER paid late. Correct to Pays as Agreed or delete for failure to validate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * This late payment is completely inaccurate. I demand full correction or deletion. Your failure to verify after my first notice violates the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off * * No documentation has been provided to prove this account belongs to me. I never authorized it. DELETE THIS ITEM. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$0.00} Charge Off * * This account is NOT mine. Your continued reporting proves you did not conduct a lawful reinvestigation. REMOVE IMMEDIATELY. 
XXXX XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX Balance : {$410.00} Collection * This collection is unverified and unauthorized. No proof of original creditor, no contract, no validation. REMOVE THIS COLLECTION IMMEDIATELY. 
XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXXened : XX/XX/XXXX Balance : {$1400.00} Collection * * XXXX is reporting unverifiable information. No full validation has been provided. This is inaccurate collection activity and must be DELETED. 
XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXXned : XX/XX/XXXX Balance : {$700.00} Collection * * I DO NOT recognize this debt. XXXX failed to provide ANY validation or original creditor documentation. This appears to be a mixed file entry. Under FCRA XXXX you must delete this collection immediately due to lack of verifiable evidence. 
XXXX XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXXate Opened : XX/XX/XXXX Balance : {$420.00} Collection * * I have no agreement with XXXX XXXX XXXX. No contract, no signed documentation, no itemized accounting has ever been provided. You are reporting unverifiable data. DELETE THIS ENTRY IMMEDIATELY. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1300.00} Collection * * This collection is completely inaccurate. I do NOT owe this balance. Your failure to verify after XXXX XXXX shows a negligent investigation. Remove this collection immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$760.00} Collection * * XXXX NEVER provided proper validation. I have XXXX evidence this debt belongs to me. XXXX is known for purchasing unverifiable accounts. DELETE THIS ENTRY FOR FAILURE TO VERIFY. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX Balance : {$200.00} Charge Off * * I did NOT authorize or open this account. No billing history, service address, or signature was ever verified. This looks like fraud or a mixed file. REMOVE THIS CHARGE-OFF. 
UNAUTHORIZED HARD INQUIRIES REMOVE IMMEDIATELY I did NOT authorize ANY of the following inquiries. These companies had NO permissible purpose under FCRA XXXX to access my credit file. These inquiries are causing damage and must be removed immediately. 
XXXX  XXXX XXXX Date : XX/XX/XXXX No permissible purpose. Delete immediately. 
XXXX XXXX XXXX Date : XX/XX/XXXX Unauthorized inquiry. I never applied. 
XXXX XXXX Date : XX/XX/XXXX Collection-related inquiry without authorization. REMOVE. 
XXXX XXXX XXXX Date : XX/XX/XXXX Fraudulent inquiry. Delete. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BY CREDIT BUREAUS XXXX XXXX XXXX. FCRA XXXX Failure to Reinvestigate The bureaus marked all items as verified without contacting the furnishers or requesting proof.

2. FCRA 1681e ( b ) Failure to Ensure Accuracy They reported multiple inaccurate debts, collections, and inquiries.

3. FCRA 1681s-2 ( b ) Furnishers Reporting Incorrect Information All furnishers refused to provide validation or correct inaccurate data.

4. FCRA 1681n & 1681o Willful & Negligent Noncompliance I have been financially harmed due to their intentional and negligent actions.

IMPACT ON ME These inaccurate accounts and inquiries have caused : Severe credit score drop Denial of credit Higher interest rates Emotional distress Housing and employment difficulty This is causing ongoing and measurable financial damage.

REQUEST FOR CFPB ACTION I am requesting CFPB to : 1. Investigate all listed furnishers and credit bureaus 2. Force deletion of ALL unverified accounts 3. Remove ALL unauthorized hard inquiries 4. Require bureaus to provide Method of Verification 5. Enforce penalties for their negligent and willful FCRA violations Conclusion I am requesting the CFPBs immediate intervention because the credit bureaus and furnishers continue to violate federal law and refuse to follow FCRA guidelines.

Thank you for your attention to 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