Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
CFPB COMPLAINT POSSIBLE FINANCE / XXXX XXXXXXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX Bank XXXX : Inaccurate credit reporting tradelines contain errors and misleading information Date : XX/XX/XXXX This complaint arises from the false and misleading reporting of multiple microloan tradelines furnished by XXXX XXXX ( via XXXX XXXX Bank ) to the nationwide consumer reporting agencies. I entered into several small-dollar loan agreements between XXXX and XXXX. Each loan was under {$250.00} and contained an explicit Right to Rescind clause, which allowed cancellation within XXXX business day. 
All loans were subsequently paid off in full. Despite this, XXXX XXXX has continued to furnish derogatory tradeline information including alleged late payments and negative history which is materially misleading and legally deficient. 
Key Facts Supporting Complaint Contract states : You have the right to rescind or cancel the loan on or before the close of business on our next business day... These are short-term, rescindable microloans, not conventional installment obligations. BBB complaint dated XX/XX/XXXX, asserted FCRA 623 ( a ) ( 8 ) violations and demanded deletion. Furnishers response admitted late-payment reporting but acknowledged loans were paid in full. No legal justification or original proof of delinquency has been provided. 
Statutory Violations XXXX. Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), 1681i, 611, 1681n/o. XXXX. Truth in Lending Act ( TILA ) : 15 U.S.C. 1635, 1638. XXXX. Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C.

1692e, 1692f. XXXX. Michigan Consumer Protection Act and common law fraud principles. 
Nature of the Harm False derogatory reporting lowers creditworthiness and impacts lending decisions. Alleged late-payment narrative is based on commingled or ACH retry failures, not actual delinquency. 
Retaliatory behavior followed after prior disputes. 
Relief Requested XXXX. Immediate deletion of all XXXX XXXX tradelines from credit reports. XXXX. Written confirmation that negative reporting has been purged and will not be reissued. XXXX. CFPB investigation into Possible Finances furnishing practices for small-dollar loans with rescission clauses. XXXX. Regulatory enforcement and/or penalties for violations of FCRA, TILA, and FDCPA. XXXX. Damages for harm caused by continued reporting and failure to cure. 
Supporting Documentation BBB Complaint ( XX/XX/XXXX ) Exhibit A Loan Agreement with Right to Rescind Exhibit B Furnishers Written Response Exhibit C ACH Authorization Exhibit D Credit report screenshots showing derogatory tradelines Exhibit E Requested CFPB Action Compel deletion of inaccurate tradelines. Require proof of lawful reporting authority. Investigate Possible Finances furnishing practices for systemic violations. Enforce FCRA, TILA, FDCPA, and impose appropriate sanctions if warranted

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