Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
I am writing this formal complaint to bring to the attention of the Consumer Financial Protection Bureau ( CFPB ) a series of serious violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Despite my numerous attempts to dispute and resolve multiple inaccuracies, incorrect information continues to appear on my credit report, including false addresses, late payments that I did not incur, charge-off entries that were never properly validated, and several unauthorized hard inquiries that were made without my consent or permissible purpose. I have contacted the major credit reporting agencies ( XXXX, XXXX, and TransUnion ) and the furnishers of these accounts, yet no valid proof or investigation results were provided. Therefore, I am requesting that the CFPB urgently intervene, initiate a full investigation, and compel the responsible parties to permanently delete these items from my credit report in accordance with the law. 
ACCOUNT XXXX XXXX XXXX XXXX  High Balance : {$27000.00} Date Opened : XX/XX/XXXX Law : FCRA Section 611 and 15 U.S. Code 1681i Issue : Late payments reported without context or verification. 
Story : I dispute the reported late payments for this account. I had previously contacted the creditor during COVID-19 requesting payment deferrals and was informed it would not negatively impact my report. The reported delinquencies may be in violation of temporary federal accommodations and must be reinvestigated immediately. 

ACCOUNT DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$29000.00} Date Opened : XX/XX/XXXX Law : FCRA Section 609 and 15 U.S. Code 1681g Issue : Reported with late payments not fully verified. 
Story : I am requesting a full reinvestigation into the accuracy of this education-related debt. During the period reported as late, I was under a deferment plan. The negative marks are damaging and inaccurately reflect my repayment behavior. Please validate with proper documentation or remove this tradeline. 

INQUIRY XXXX  XXXX XX/XX/XXXX Law : FCRA Section 604 and 15 U.S. Code 1681b ( c ) Issue : Unauthorized hard inquiry on my report. 
Story : I did not authorize this credit inquiry and have no record of initiating any application with XXXX XXXX on or around this date. Hard inquiries without my consent are unlawful and must be removed immediately. 

The continued reporting of false addresses, inaccurate late payments, unverifiable charge-offs, and unauthorized credit inquiries is causing significant financial harm, emotional distress, and reputational damage. These entries are not only misleading but also unlawful under multiple provisions of the Fair Credit Reporting Act. I have exhausted all direct options with the credit bureaus and furnishers, yet the information remains uncorrected. Therefore, I am requesting the CFPB to immediately investigate these violations, hold the responsible data furnishers and reporting agencies accountable, and compel them to remove all inaccurate and unauthorized entries listed in this complaint. I demand full compliance with the FCRA and the permanent correction of my credit report.

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