Consumer complaint received 2025-11-08 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: NV

Complaint narrative:
I am submitting this complaint to formally dispute multiple inaccurate and unverifiable accounts, collections, charge-offs, and hard inquiries appearing on my credit report. Many of these accounts are entirely unknown to me, some were never opened or authorized, and the reporting contains numerous errors regarding balances, dates, and account statuses. Reporting false, fraudulent, or inaccurate information violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and entities furnishing such information are obligated under 15 U.S.C. 1681s-2 to ensure its accuracy. I demand a thorough investigation, verification of all disputed items, deletion of fraudulent accounts, and correction of all inaccurate reporting. 
Disputed Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Not associated with me, fraudulent listing Disputed Accounts and Issues : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date XX/XX/XXXX, High Balance {$670.00} Reported as Charge-off I have no knowledge of this account, never opened, and never authorized it. Reporting this as a charge-off is completely inaccurate. 
XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX, High Balance {$930.00} Reported as Charge-off I have never opened or authorized this account. This charge-off is fraudulent and must be deleted immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Open Date XX/XX/XXXX, High Balance {$26000.00} Reported as Charge-off I do not recognize this account. The charge-off status is incorrect. Immediate deletion requested. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX, High Balance {$26000.00} Reported as Late Payment I have never missed any payment. Reporting late payments without verification violates FCRA. Correct the payment history immediately. 
XXXX XXXX  # XXXXXXXX XXXX Open Date XX/XX/XXXX, High Balance {$980.00} Reported as Collection I have no knowledge of this account. This collection is fraudulent and must be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX, High Balance {$590.00} Reported as Collection I never authorized or opened this account. Delete immediately. 
Disputed Hard Inquiries ( Unauthorized or Unverified ) : XXXX, XX/XX/XXXX Hard inquiry Not authorized. Remove immediately. 
XXXX, XX/XX/XXXX Hard inquiry Not authorized by me. Remove immediately. 
Under the Fair Credit Reporting Act, all information furnished to credit reporting agencies must be accurate and verifiable. The accounts listed above contain incorrect information, and some are fraudulent. FCRA 1681i requires investigation of disputed information within 30 days. I am requesting verification of all accounts, correction of inaccurate information, and deletion of all accounts that I have no knowledge of or did not authorize. Failure t

o comply may result in legal action. Under the FCRA 1681i, I request that all dis
puted accounts, collections, charge-offs, and hard inquiries be investigated within 30 days. Any item that can not be verified or is fraudulent must be deleted immediately. Failure to comply with FCRA may result in legal action. 
Action Requested : 1. Investigate and verify all disputed accounts, collections, charge-offs, and inquiries 2. Delete all accounts I do not recognize or did not authorize 3. Remove all unauthorized hard inquiries 4. Provide written confirmation of all corrections, deletions, and actions taken This complaint is submitted in good faith and protected under the FCRA. I expect prompt written confirmation of all actions taken regarding my dispute.

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