Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I dispute multiple inaccurate and unauthorized items on my credit report. These accounts are not mine and reporting them violates FCRA 609, 611 and FDCPA 809. I demand immediate deletion and written confirmation. 

Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address has never belonged to me and violates FCRA 607 ( b ) because it creates identity confusion. Remove this address immediately as you have no documentation proving I lived there. 

XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$2100.00} Charge Off I have no knowledge of this account and no contract exists showing I opened it. Under FCRA 609 ( a ) and 611 ( a ), you must provide full proof or delete. You failed to verify this item during the first dispute and continuing to report it violates FCRA 623 ( a ) ( 1 ) ( A ). 

XXXX XXXX Open Date XX/XX/XXXX High Balance {$9700.00} Charge Off This is not my account. No documentation proves any relationship with this creditor. Since you could not produce verification in the first reinvestigation, it remains unverified and must be deleted under FCRA 611 ( a ) and 607 ( b ). 

XXXX XXXX XXXX XXXX  XXXX Open Date XX/XX/XXXX High Balance {$500.00} Late Payment The late payment reporting is inaccurate because I have never made any late payment on this account. This violates FCRA XXXX ( b ). You must correct the payment history immediately because no evidence supports reporting any delinquency. 

XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$1200.00} Charge Off I do not recognize this account and you have not provided any original documents proving I opened it. Under FCRA 609 ( a ) and 611 ( a ), unverifiable accounts must be deleted. Continued reporting violates FCRA 623 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$7300.00} Charge Off This alleged account is not mine and no contract or agreement exists connecting me to it. Since you failed to verify this information, it violates FCRA 602, 607 ( b ), and 611 ( a ). Delete this account immediately. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX High Balance {$1300.00} Collection I have no knowledge of this collection and there is no proof that this debt belongs to me. Continued reporting without proper validation violates FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ). Delete this item immediately. 

XXXX XXXX Date Opened XX/XX/XXXX High Balance {$0.00} Collection This collection account does not belong to me. A {$0.00} balance with no contract, service records, or proof violates FCRA 611 ( a ) and 607 ( b ). Remove this account from my file. 

XXXX XXXX XX/XX/XXXX I did not authorize this inquiry and no permissible purpose exists under FCRA 604 ( a ). Remove this unauthorized inquiry immediately because I never applied for any credit with XXXX XXXX. 

I request written confirmation that all inaccurate accounts and unauthorized inquiries are fully deleted. Continued reporting violates my FCRA and FDCPA rights.

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