Consumer complaint received 2025-11-14 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:
I am submitting this complaint because my credit report is showing multiple inaccurate collection accounts and unauthorized inquiries that do not belong to me. I have already disputed these items with the credit bureaus, but they remain uncorrected. I am requesting CFPB assistance to have these inaccurate items fully investigated and removed. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address I have never lived at or been associated with this address. Please delete it entirely from my credit file as it is incorrect and a serious identity-matching error. 
XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This address does not belong to me. I was never a resident here. Remove this immediately under FCRA accuracy requirements. 
XXXX XXXX XXXX High Balance : {$280000.00} Date Opened : XX/XX/XXXX Charge Off * * I have no knowledge of this account, never opened any account with this creditor, and no contract or agreement exists between me and this company. This appears to be a case of mixed file or incorrect data reporting. Please delete this account entirely. 
XXXX XXXX XXXX * High Balance : {$590.00} Date Opened : XX/XX/XXXX Charge Off * * This account is incorrectly reported. I never opened this account nor authorized it. No proof of ownership exists. Please delete under FCRA 611. 
XXXX XXXX High Balance : {$600.00} Date Opened : XX/XX/XXXX Charge Off * * This account does not belong to me. I dispute the entire reporting and request deletion because the information is inaccurate and unverifiable. 
XXXX XXXX XXXX XXXX * High Balance : {$600.00} Date Opened : XX/XX/XXXX Charge Off * * I do not recognize this account and never had any financial relationship with this lender. Please remove the account as it is inaccurately reported. 
XXXX XXXX * * High Balance : {$600.00} Date Opened : XX/XX/XXXX Charge Off * * I dispute this account because I do not have any knowledge of it. The entire account is reporting falsely and must be removed. 
XXXX XXXX * * * High Balance : {$18000.00} Date Opened : XX/XX/XXXX Charge Off * * This account is being inaccurately reported. I do not have any loan or financial obligation with this creditor. Please delete the account. 
FIG XXXX XXXX XXXX * High Balance : {$300.00} Date Opened : XX/XX/XXXX Late Payment * * This late payment is incorrect. I never made any late payment because I never owned this account. Please correct the payment history or remove the account if verified inaccurate. 
XXXX  XXXX * * * High Balance : {$1900.00} Date Opened : XX/XX/XXXX Charge Off * * I dispute this entire account as I do not recognize it. I never applied for or opened this account. Please remove it. 
XXXX XXXX High Balance : {$19000.00} Date Opened : XX/XX/XXXX Late Payment * * The late payments reported are inaccurate. I did not make late payments, and this reporting is causing serious damage. Please correct the payment history to reflect accurate information. 
XXXX XXXX * * * High Balance : {$1200.00} Date Opened : XX/XX/XXXX Charge Off * * I do not recognize this account, never opened it, and never authorized any transaction with this company. Please delete the full account. 
XXXX  XXXX * XXXX XXXX : {$810.00} Date Opened : XX/XX/XXXX XXXX * * This account is duplicative and falsely reported. I have no knowledge of this debt, and there is no documentation proving it belongs to me. Please remove this account under FCRA 611 for unverifiable reporting. 
XXXX XXXX * XXXX XXXX : {$2300.00} Date Opened : XX/XX/XXXX XXXX * * This appears to be the same inaccurate account listed under a different name. I have no contract, no agreement, and no responsibility for this debt. I dispute the entire entry and request its deletion. 
XXXX XXXX XXXX * High Balance : {$250.00} Date Opened : XX/XX/XXXX Collection * * I do not recognize this collection. There is no original creditor information, no proof of ownership, and the reporting is incorrect. Please delete this account. 
XXXX XXXX XXXX * High Balance : {$1000.00} Date Opened : XX/XX/XXXX Collection * * This collection is also inaccurate and has no connection to me. I never owed this debt and no verification exists. I request removal immediately. 
XXXX XXXX XXXX * High Balance : {$1000.00} Date Opened : XX/XX/XXXX Collection * * This reported collection does not belong to me. I dispute the entire account because there is no proof tying this debt to my identity. Please remove it under FCRA accuracy standards. 
XXXX XXXX XX/XX/XXXX I did not authorize this inquiry. I never applied for any credit with this company. This unauthorized inquiry must be removed immediately. 
These inaccurate accounts and unauthorized inquiries are harming my credit profile and violating the FCRA requirements under sections 602 ( A ), 607 ( B ), and 611. I am requesting CFPB intervention to ensure full investigation and removal of these items from my credit reports. 
Thank you for your assistance.

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