Consumer complaint received 2025-05-05 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: NY

Complaint narrative:
Dispute Letter to TransUnion [ Date : XX/XX/XXXX ] TransUnion P.O. XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Subject : Dispute of Inaccurate Information on Credit Report ( Reference # XXXX ) Dear TransUnion, I am writing to dispute inaccurate information contained in my credit report, identified under Reference # XXXX, dated XX/XX/XXXX. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), which requires reasonable procedures to assure maximum possible accuracy of information, 15 USC 1681s-2, which holds furnishers accountable for providing accurate data, and 15 USC 1681i ( a ) ( 5 ), which mandates the deletion of inaccurate or unverifiable information, I request the immediate investigation and removal of the following disputed items.

Disputed Items Category : Risk Factors 1. Item Code : RF-01 - Insufficient Credit History Details Reported : Lack of sufficient credit history, impacting score ( 635 ) Inaccurate Details : No specific accounts listed ; reported current address as XXXX XXXX XXXX # XXXX, XXXX, PA XXXX, but previous address XXXX XXXX XXXX XXXX, XXXX, NY XXXX omitted ; date of birth listed as XX/XX/XXXX Bureau : TransUnion Requested Action : The omission of historical accounts at XXXX XXXX XXXX XXXX and incomplete credit history are inaccurate. Please verify all account histories from XXXX onward and delete this item if unsupported. 
2. Item Code : RF-02 - Recent Oldest Account Date Details Reported : Oldest account date too recent, affecting score ( 635 ) Inaccurate Details : No specific account opening date provided; current address XXXX XXXX XXXX # XXXXXXXX XXXX, PA XXXX listed, but no timeline for prior addresses ( e.g., XXXX XXXX XXXX XXXX # XXXX XXXX, PA XXXX ) Bureau : TransUnion Requested Action : The reported recency lacks documentation. Verify account opening dates tied to all addresses ( e.g., XXXX XXXX XXXX since XX/XX/XXXX per XXXX  ) and remove this item if inaccurate. 
XXXX. Item Code : RF-03 - Lack of Real Estate Accounts Details Reported : Insufficient relevant real estate account information Inaccurate Details : No real estate accounts listed ; current address XXXX XXXX XXXX # XXXX XXXX PA XXXX suggests possible rental status Bureau : TransUnion Requested Action : The absence of real estate data may be incomplete. Confirm with furnishers if mortgage history exists for XXXX XXXX XXXX or XXXX XXXX XXXX and delete if unsubstantiated. 
4. Item Code : RF-04 - Unpaid Collection Accounts Details Reported : Too many unpaid collection agency accounts Inaccurate Details : No specific creditor or balance provided; possible link to XXXX XXXX XXXX XXXX XXXX, SC ) or XXXX XXXX ( XXXX, VA ) from creditor contacts ; no account number or date opened Bureau : TransUnion Requested Action : The unspecified unpaid collections are unverifiable. Identify specific accounts ( e.g., XXXX XXXX XXXX, ( XXXX ) XXXX ) with balances and dates, and remove this item if unsupported. 
Category : Customer Statement/Fraud Alert 5. Item Code : CS-01 - Fraud Alert Discrepancy Details Reported : Initial fraud alert with contact ( XXXX ) XXXX Inaccurate Details : Alert listed but no supporting documentation of fraud ; address XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX conflict with prior fraud investigations Bureau : TransUnion Requested Action : The fraud alert lacks evidence tying it to my file. Verify the basis and remove if not substantiated by fraud reports. 
Please conduct a thorough investigation within the 30-day period required under FCRA 15 USC 1681i ( a ) ( 1 ) and provide me with the results, including any deleted items, as required by 15 USC 1681i ( a ) ( 6 ). Enclosed are copies of my drivers license and the credit report for your reference. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

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