Consumer complaint received 2025-09-17 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: TX

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau because my credit report contains inaccurate and unverifiable information that violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and other consumer protection laws. I have previously disputed these items directly with the credit bureaus, but they failed to properly investigate, reinvestigate, and correct the errors. These continued inaccuracies are causing me harm, including credit denials and emotional distress, which is why I am escalating this matter to the CFPB for enforcement and correction. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * This account is still being reported as a charge-off, but the balance is clearly {$0.00}, which legally means there is nothing left to collect or charge off. Reporting a {$0.00} balance account as a charge-off creates a false and misleading impression that I defaulted and still owe a delinquent debt. Under FCRA 15 U.S.C. 1681i ( a ) ( 1 ), you are required to conduct a reasonable reinvestigation and delete or correct information that can not be verified as accurate. You have failed to provide validation documents showing the original creditor agreement, full payment history, and chain of title. FCRA 1681s-2 ( b ) requires furnishers to update and correct inaccurate information, yet this account continues to damage my score. Continuing to report a {$0.00} charge-off is not only inaccurate but also in violation of the FDCPA and state consumer protection laws because it misrepresents the legal status of a debt. This account must be immediately removed or updated to reflect Paid/Closed No Derogatory. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} * * You are reporting this account as a charge-off even though the balance is {$0.00}, which can not legally be charged off. A charge-off with no balance implies a collectible debt when there is none, which is a violation of FCRA 1681e ( b ) ( maximum possible accuracy ). I have disputed this account twice and no documentation proving a default, delinquency dates, or ownership has been provided. Your duty under 1681i ( a ) ( 2 ) is to forward my dispute to the furnisher and delete if not verified within 30 days. Reporting a closed, paid, or {$0.00} account as derogatory is unlawful and severely impacts my creditworthiness by lowering my score and suggesting I am a higher risk consumer. This account must either be fully validated with documentation from XXXX XXXX or permanently deleted. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * This is a duplicate reporting of the previous XXXX XXXX  account, which causes double harm by showing XXXX negative accounts for what is likely XXXX obligation. Duplicate reporting violates FCRA 1681e ( b ) because it fails to maintain maximum possible accuracy and unfairly penalizes me twice for a single account event. A reasonable reinvestigation would have revealed that this is either the same account or that there is no new verifiable debt. You must delete this duplicate or provide original creditor documentation showing XXXX separate account agreements, payment histories, and charge-off details. Continued duplicate reporting constitutes negligent noncompliance under 1681o and willful violation under 1681n, opening you up to statutory damages and attorney fees. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$13000.00} * * This is being reported as a charge-off with a significant balance, but you have failed to provide any documentation proving that this debt is accurate, collectible, and reported with correct amounts. Under FCRA 1681i ( a ) ( 2 ), you must provide me with the results of your investigation and the source of verification. FCRA 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. Without a signed agreement, itemized statement, and proof of charge-off date, this account remains unverifiable. Its presence on my file continues to cause severe harm by inflating my utilization and creating the false impression that I am delinquent on a large balance. You must either provide full documentation or delete this account entirely. 

INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX I have no relationship with this company, never applied for credit with them, and never gave authorization for this inquiry. FCRA 1681b requires a permissible purpose such as a credit application, account review, or insurance underwriting. This was not such a case, and its continued reporting causes damage to my credit score. Delete this inquiry immediately or provide proof of authorization. 

XXXX  XX/XX/XXXX No permissible purpose exists for this inquiry, and no signed application was ever submitted by me. FCRA 1681b and 1681c-2 ( a ) require you to block or delete unauthorized inquiries. Keeping this on my file creates the impression that I was seeking new credit, which harms my credit profile. Provide documentation proving I initiated this inquiry or delete it entirely. 

XXXX XX/XX/XXXX This was an unauthorized hard pull and I never requested financing or services from XXXX XXXX. FCRA 1681b prohibits credit pulls without my written consent or a firm offer of credit. You must provide proof of authorization, including date, time, and IP or signature, or remove it immediately as it is lowering my credit score. 

XXXX XXXX  XX/XX/XXXX I never applied for any product from XXXX XXXX XXXX  and never consented to this credit inquiry. FCRA 1681b requires a permissible purpose, and there is none. This unauthorized inquiry is harming my creditworthiness and must be deleted immediately unless you can provide proof of my signed authorization. 

XXXX  XX/XX/XXXX I have no relationship with XXXX and never gave permission for them to access my credit file. FCRA 1681b requires explicit authorization or a permissible purpose, neither of which exist here. This inquiry is unlawful, negatively impacts my credit profile, and must be deleted immediately. 

I am asking the CFPB to investigate these violations, compel the credit bureaus and furnishers to correct or delete this inaccurate information, and ensure compliance with all applicable provisions of the FCRA and related regulations. Failure to act on these disputes continues to harm me financially and emotionally, and I expect a full resolution as provided by federal law.

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