Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this complaint because several accounts on my credit reports are being reported inaccurately and causing significant harm to my credit profile. I am requesting an immediate investigation under the Fair Credit Reporting Act ( FCRA ) and corrections/deletions where applicable. Many of these accounts do not belong to me, I have no knowledge of them, or the information is being reported incorrectly. 

XXXX Acct : XXXXXXXX XXXX  High Balance : {$670.00} | Date Opened : XX/XX/XXXX Issue : Charge-Off Reporting I have no knowledge of this account. I never opened this account and have no contractual relationship with this creditor. Please delete this account immediately. 

XXXX Acct : XXXXXXXX XXXX  High Balance : {$930.00} | Date Opened : XX/XX/XXXX Issue : Charge-Off Reporting This account is not mine. I never authorized or opened any account with this creditor. Please remove this inaccurate reporting. 

XXXX XXXX Acct : XXXXXXXX XXXX High Balance : {$380.00} | Date Opened : XX/XX/XXXX Issue : Charge-Off Reporting I do not recognize this account and deny having any account with this number or details. I request full deletion. 

XXXX XXXX Acct : XXXXXXXX XXXX  High Balance : {$740.00} | Date Opened : XX/XX/XXXX Issue : Charge-Off Reporting This is not my account. I never opened or used this account. Please delete it from all my reports. 

XXXX Acct : XXXX High Balance : {$600.00} | Date Opened : XX/XX/XXXX Issue : Charge-Off Reporting I have no knowledge of this account. It is inaccurately reported. Please delete immediately. 

XXXX  XXXX XXXX Acct : XXXXXXXX XXXX  High Balance : {$790.00} | Date Opened : XX/XX/XXXX Issue : Charge-Off Reporting I do not recognize this account. I request an investigation and deletion for inaccurate reporting. 

XXXX XXXX Acct : XXXXXXXX XXXX  High Balance : {$27000.00} | Date Opened : XX/XX/XXXX Issue : Charge-Off Reporting This account does not belong to me. I have never had any financing through this creditor. Delete this account. 

XXXX XXXX XXXX XXXX Acct : XXXXXXXX XXXX  High Balance : {$39000.00} | Date Opened : XX/XX/XXXX Issue : Late Payment Reporting The late payment reporting is false and inaccurate. I never made late payments on this account. I request correction of the payment history to reflect accurate on-time reporting. 

XXXX XXXX  Acct : XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$17000.00} | Date Opened : XX/XX/XXXX Issue : Charge-Off Reporting I have no knowledge of this account. Please delete this inaccurate charge-off immediately. 

XXXX XXXX Acct : XXXXXXXX XXXX XXXX High Balance : {$770.00} | Date Opened : XX/XX/XXXX Issue : Charge-Off Reporting This account is not mine. I request removal from my credit file. 

XXXX Acct : XXXXXXXX XXXX High Balance : {$1400.00} | Date Opened : XX/XX/XXXX Issue : Collection Reporting I have no knowledge of this collection. I never received any notice or validation. Please delete. 

XXXX XXXX  Acct : XXXXXXXX XXXX High Balance : {$720.00} | Date Opened : XX/XX/XXXX Issue : Collection Reporting This account does not belong to me. I request deletion. 

XXXX XXXX  Acct : XXXXXXXX XXXX  High Balance : {$750.00} | Date Opened : XX/XX/XXXX Issue : Duplicate Collection Reporting XXXX accounts with the same creditor and same open date appear. Both are inaccurate and not mine. Please delete. 

XXXX XXXX  Acct : XXXXXXXX XXXX High Balance : {$1200.00} | Date Opened : XX/XX/XXXX Issue : Collection Reporting I have no knowledge of this debt. Please remove it. 

XXXX Acct : XXXX High Balance : {$1500.00} | Date Opened : XX/XX/XXXX Issue : Collection Reporting I do not recognize this debt and request deletion. 

XXXX Acct : XXXX High Balance : {$460.00} | Date Opened : XX/XX/XXXX Issue : Collection Reporting This account is not mine. Please delete. 

XXXX XXXX  Acct : XXXX High Balance : {$540.00} | Date Opened : XX/XX/XXXX Issue : Collection Reporting I dispute ownership of this account. Please remove. 

XXXX XXXX  Acct : XXXXXXXX XXXX High Balance : {$540.00} | Date Opened : XX/XX/XXXX Issue : Collection Reporting I have no knowledge of this debt. Please delete. 

XXXX XXXX  Acct : XXXXXXXX XXXX High Balance : {$600.00} | Date Opened : XX/XX/XXXX Issue : Collection Reporting This is not my account. I request deletion. 

XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$930.00} | Date Opened : XX/XX/XXXX Issue : Collection Reporting I have no knowledge of this account. Please remove it completely. 
I am requesting a full investigation under FCRA 602, 607, 609, and 611. Any account that can not be verified with proper original documentation must be deleted immediately. Thank you for your prompt attention.

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