Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to dispute and request a thorough investigation into multiple inaccurate, unfair, and outdated negative items currently being reported on my credit file. These items are having a severe impact on my creditworthiness and overall financial stability. Despite my good faith efforts to resolve these issues directly with the credit bureaus and furnishers, the following accounts remain inaccurately reported. These actions are in direct violation of my consumer rights as protected under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I now request CFPBs support in holding the involved parties accountable and correcting these harmful errors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1800.00} Late Payment * * Issue : This account is reporting a late payment inaccurately which is damaging my credit profile. 
Law : Under FCRA Section 607 ( b ), furnishers must maintain maximum possible accuracy.

Story : I was placed in an approved deferment/forbearance plan due to financial hardship during the pandemic period, and the servicer failed to properly update this status. The reported late mark is not only misleading but also unfair considering my communication and agreement with XXXX at that time. I demand full reinvestigation and correction or deletion of the inaccurate reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3800.00} Late Payment * * Issue : Inaccurate late payment reporting is affecting my credit. 
Law : FCRA Section 611 requires the bureau to reinvestigate any information the consumer disputes as inaccurate or incomplete.

Story : During the time in question, I had an active deferment which was acknowledged by XXXX and should have been updated accordingly. The failure to report the forbearance caused a negative mark that is misleading and incorrect. Please remove or correct immediately based on this error. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3700.00} Late Payment * * Issue : Late payment reported during an approved forbearance period. 
Law : Under FCRA Section 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know is inaccurate. 
Story : XXXX placed me in a temporary relief program, and during that period I was not required to make payments. The current reporting is unjust and reflects an account status that contradicts the agreed terms. I request immediate reinvestigation and deletion if this error can not be verified correctly. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$530.00} Collection * * Issue : This collection account is unverified and may not be mine.

Law : FCRA Section 611 and FDCPA Section 809 require full validation of a debt upon request.

Story : I have no recollection or documentation of receiving services from this provider. I was never contacted before it was placed in collections, and I was never sent any verification. This may be a billing or clerical error. Please provide full documentation or remove this entry. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} Collection * * Issue : Questionable collection account added without proper validation. 
Law : FDCPA Section 809 and FCRA Section 609 ( a ) ( 1 ) give me the right to dispute and request documentation.

Story : This collection appeared without warning, and I was never contacted or provided a bill. I was not informed of any balance due nor received any formal notice. I dispute this debt as inaccurate and unverifiable and request its deletion unless full validation can be provided. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$530.00} Collection * * Issue : Collection account with no prior knowledge or validation. 
Law : FCRA Section 611 and FDCPA Section 809 ( b ) require a furnisher to cease reporting if they can not validate the debt.

Story : I never received service confirmation, billing, or verification on this account. This may have been added without my knowledge or consent, or may relate to another patient or insurance billing error. I demand removal unless validated with original documentation.

These inaccurate, unverifiable, and damaging items are causing unnecessary distress and financial consequences. I respectfully urge the Consumer Financial Protection Bureau ( CFPB ) to intervene and conduct a full investigation into the reporting practices related to the above accounts. I request that the CFPB ensure the credit bureaus and data furnishers comply with federal law and either verify the accuracy of these items with full documentation or delete them from my credit report immediately. Thank you for your attention and swift action in helping restore the fairness and accuracy of my credit file.

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