Consumer complaint received 2025-12-01 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 because multiple accounts and inquiries on my credit report are being reported inaccurately, without verification, and in violation of the Fair Credit Reporting Act ( FCRA ). I have disputed these items with the credit bureaus, but they continue to appear even though the information is false, unverified, and in some cases duplicated. These errors are causing severe damage to my creditworthiness, financial stability, and ability to obtain housing and credit. I am requesting the CFPB to investigate these violations and require the furnishers and credit reporting agencies to correct or delete this inaccurate data. 
WRONG ADDRESSES ( NEVER BELONGED TO ME ) ( Please REMOVE immediately under FCRA 602 ( A ), 607 ( B ), 609 ( a ) ( 1 ) ( A ) ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This location has never been my residence. I have never lived here, used this address, or authorized any business to use it. Reporting this is misleading, harmful, and violates FCRA accuracy standards. I demand full deletion immediately. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address This address is not mine and was never mine. You are knowingly reporting inaccurate information, violating FCRA 607 ( B ) maximum possible accuracy.

ACCOUNTS ( UNVERIFIED / UNKNOWN / NO KNOWLEDGE ) Under FCRA 611, I request full verification. Under FCRA 609 ( a ) ( 1 ) ( A ), I want the original signed contract, complete payment history, name of the person who verified, and method of verification. 
If you can not produce actual physical evidence, these accounts must be DELETED. 
XXXX XXXX XXXX Charge Off High Balance : {$5100.00} | Date Opened : XX/XX/XXXX I do not recognize this account. I have no knowledge of opening, using, or authorizing it. If XXXX XXXX can not provide original documentation with my signature and proof of ownership, this account must be deleted immediately. This could be a merged file or identity error. 
XXXXXXXX XXXX XXXXXXXX Charge Off High Balance : {$19000.00} | Date Opened : XX/XX/XXXX This account is unknown to me. I never signed for or used such an account. Provide proof of ownership, signed contract, and payment history. If not, delete immediately. 
XXXX XXXX Charge Off High Balance : {$16000.00} | Date Opened : XX/XX/XXXX I dispute this account. I request verification with my signature, statements, and contract. If such documentation can not be produced, this account must be removed as unverified. 
XXXXXXXX XXXX XXXXXXXX Charge Off High Balance : {$10000.00} | Date Opened : XX/XX/XXXX I do not recognize this account and demand proof under FCRA 609 ( a ) ( 1 ) ( A ). Without proof, delete immediately. 
XXXX XXXX XXXX Charge Off High Balance : {$13000.00} | Date Opened : XX/XX/XXXX I dispute this account completely. I do not recognize the account, the balance, or any contract linked to it. Provide the original signed application, statements, and all verification documents. If not, delete this account for being unverified and inaccurate. 
XXXX XXXX XXXX Late Payment High Balance : {$700.00} | Date Opened : XX/XX/XXXX I dispute the late payment reporting. I never made late payments on this account, and the data being reported is false and damaging. Under FCRA XXXX ( B ), you must maintain maximum accuracy. Correct this history immediately because the late payment status is wrong and harmful. 
XXXXXXXX XXXX XXXXXXXX Collection High Balance : {$4600.00} | Date Opened : XX/XX/XXXX This looks like a duplicate of the above XXXX account, which is illegal duplicate reporting and violates FCRA 607 ( B ) maximum possible accuracy. I do not recognize this account. I demand deletion of this duplicate entry immediately. 
INQUIRIES UNAUTHORIZED / NO PERMISSION XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX  I dispute this inquiry because I did not authorize this company to pull my credit. Any inquiry without my written consent violates FCRA permissible purpose laws. Remove this inquiry immediately. 
I respectfully request the CFPB to : 1. Force the furnishers to provide full documentation, validation, and legal proof of these accounts.

2. Require the credit reporting agencies to conduct a full, lawful reinvestigation as required under FCRA 611.

3. Delete all accounts that can not be 100 % verified with proper documentation.

4. Hold the furnishers accountable for reporting inaccurate, unverified, and harmful information.

I certify that all statements above are true and correct to the best of my knowledge. 
Thank you for your assistance in resolving this matter.

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