Consumer complaint received 2025-12-04 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 filing this complaint to dispute multiple inaccurate accounts appearing on my consumer report. These accounts contain wrongful charge-off notations, false late payment reporting, and collection entries that I have no knowledge of. These errors violate the Fair Credit Reporting Act 15 U.S.C. 1681i regarding reinvestigation requirements and 1681e ( b ) regarding maximum possible accuracy. The continued reporting of these inaccurate items is causing ongoing financial harm, denial of opportunities, and reputational damage. I request immediate reinvestigation, correction, and where applicable deletion of the disputed accounts listed below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$200.00} Late Payment XXXX  XXXX  Story : The late payment history reported on this account is inaccurate because I have never made a late payment. This reporting violates FCRA 1681e ( b ) and 1681i.

Law : FCRA 1681e ( b ), 1681i XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$360.00} Chargeoff XXXX XXXX Story : I have no knowledge of this account being charged off and the information furnished is inaccurate and misleading. This violates FCRA 1681e ( b ) and 1681i.

Law : FCRA 1681e ( b ), 1681i XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$430.00} Chargeoff XXXX XXXX Story : I have no knowledge of any charge-off related to this account. The current reporting is inaccurate and must be deleted under FCRA regulations. 
Law : FCRA 1681e ( b ), 1681i XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff XXXX XXXX  Story : This charge-off is inaccurate. I have no knowledge of this account being delinquent or charged off. Accuracy requirements under FCRA have not been met. 
Law : FCRA 1681e ( b ), 1681XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment XXXX XXXX Story : The reported late payment is inaccurate because I have never made a late payment. The entry violates FCRA 1681e ( b ) and 1681i.

Law : FCRA 1681e ( b ), 1681XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5600.00} Chargeoff XXXX XXXX  Story : I have no knowledge of this charge-off, and the reported delinquency is inaccurate. This must be removed according to FCRA reinvestigation and accuracy obligations. 
Law : FCRA 1681e ( b ), 1681i XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$30.00} Chargeoff * * Story : I have no knowledge of any charge-off associated with this account. The reporting is false, misleading, and violates federal accuracy standards. 
Law : FCRA 1681e ( b ), 1681i XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} Late Payment Story : The late payment reporting is inaccurate because I have never paid late. This violates FCRA 1681e ( b ) for accuracy and 1681i for reinvestigation. 
Law : FCRA 1681e ( b ), 1681i XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$6200.00} Chargeoff XXXX XXXX  Story : I have no knowledge of any charge-off related to this account. The information furnished is inaccurate and should be deleted. 
Law : FCRA 1681e ( b ), 1681i XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff XXXX XXXX  Story : I have no knowledge of this charge-off, and the reporting is inaccurate. Compliance with FCRA accuracy rules has not been met. 
Law : FCRA 1681e ( b ), 1681i XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2800.00} Collection * * Story : I have no knowledge of this collection account. The reporting is inaccurate and must be deleted for violating FCRA accuracy and reinvestigation standards. 
Law : FCRA 1681e ( b ), XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$880.00} Collection * Story : I have no knowledge of this collection account. The information is inaccurate and harmful, requiring deletion under federal law. 
Law : FCRA 1681e ( b ), 1681i XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$570.00} Collection XXXX XXXX  Story : I have no knowledge of this collection entry. Reporting it is inaccurate and violates FCRA accuracy standards. 
Law : FCRA 1681e ( b ), 1681i XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$400.00} Collection XXXX XXXX  Story : I have no knowledge of this collection. This inaccurate reporting must be deleted as it violates FCRA 1681e ( b ) and 1681i.

Law : FCRA 1681e ( b ), 1681i I request that the CFPB require the involved furnishers and credit bureaus to conduct a lawful reinvestigation, correct the inaccurate late payment entries, and permanently delete the charge-off and collection accounts I have no knowledge of. These entries violate federal law and continue to cause substantial harm.

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