Consumer complaint received 2025-09-10 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 submitting this complaint to the CFPB to address serious inaccuracies on my credit report that have no basis in fact, including unauthorized charge-offs and a false address. Under the FCRA, reporting agencies and creditors must maintain complete, accurate, and verifiable information. The continued reporting of these items has caused significant financial, emotional, and legal harm. I request immediate CFPB oversight to enforce full reinvestigation, correction, or deletion of all disputed items and to ensure accountability of all responsible parties. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX, XXXX {$5600.00}, Charge-off * * This account is inaccurately reported as a charge-off. Under FCRA 1681i ( a ), the bureau must conduct a reasonable investigation with the original creditor. My records indicate the status and balance are either incorrect or misreported. FCRA 1681e ( b ) mandates that consumer reports be accurate, yet this account has been reported without proper verification. The charge-off reporting is materially misleading and harms my credit score. Documentation of payment history and prior correspondence with the creditor contradicts this status. Reporting unverified negative information violates my rights and misleads lenders. I demand deletion or correction of this account immediately. Verification documentation should be provided to substantiate any claims of charge-off. This inaccurate reporting continues to impact my financial credibility and access to credit. Without accurate verification, this reporting is unlawful under FCRA. Immediate reinvestigation is required to resolve the dispute and prevent further harm. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, XXXX {$10000.00}, Late Payment The reported late payments on this account are inaccurate. FCRA 1681i ( a ) requires a reasonable investigation with verification directly from the creditor. My records, including bank statements and payment confirmations, demonstrate timely payments, making the reported late payments untrue. FCRA 1681e ( b ) obligates credit bureaus to ensure the maximum possible accuracy, yet this account has been reported incorrectly. The misreporting of late payments materially harms my creditworthiness and could influence lending decisions unfairly. I request immediate removal of the unverified late payments and correction of the account to reflect accurate history. Supporting documents proving timely payments are available for review. Reporting incorrect information is a violation of my consumer rights under federal law. Reinvestigation is required to confirm the true status. Accurate reporting is essential to prevent undue damage to my credit profile. The bureau must comply with federal law and correct this error promptly. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, XXXX {$0.00}, Late Payment * * This account has been inaccurately reported as having late payments despite a XXXX balance. FCRA 1681i ( a ) mandates verification of disputed data, which has not been properly conducted. FCRA 1681e ( b ) requires maximum accuracy in reporting, and misreporting late payments creates material negative impact on my credit score. Documentation shows timely payments and XXXX outstanding balance at all times. The reported negative information is therefore unverifiable and materially misleading. I request immediate correction or deletion. Continuing to report this inaccuracy constitutes noncompliance with federal law. My consumer rights are being violated as the bureau fails to ensure accuracy. Verification with the creditor should be performed to substantiate the true account status. Immediate reinvestigation is required to prevent further harm to my creditworthiness. Supporting statements and records are available to prove the correct account status. This account must be corrected or deleted to comply with federal credit reporting laws. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$16000.00}, Late Payment * * The reported late payments on this account are inaccurate. FCRA 1681i ( a ) requires a reasonable reinvestigation with documentation from the creditor, yet the bureau has failed to do so. My account records show timely payments consistent with the contractual obligations. FCRA 1681e ( b ) mandates maximum possible accuracy, which has not been met in this reporting. The inaccurate reporting negatively affects my credit score and misrepresents my payment history. I request immediate deletion or correction of all unverified late payments. Documentation, including payment history and account statements, is available to verify accurate information. Misreporting this account violates my rights and constitutes material inaccuracy. Reinvestigation is required to fully comply with federal law. Immediate correction is necessary to restore accurate reporting. Continued reporting of unverified data is unlawful and damaging. Verification by the creditor must be completed to substantiate any reported negative information. 

Inquiries XXXX XXXX XXXXXX/XX/XXXX This inquiry was not authorized by me. FCRA 1681b requires consumer authorization for hard inquiries. FCRA 1681i ( a ) mandates removal of any unverified or unauthorized inquiries. Reporting this inquiry without my consent materially harms my creditworthiness and misrepresents my credit activity. Unauthorized inquiries can negatively impact credit scoring models and future lending decisions. I request immediate deletion of this inquiry from my credit report. Documentation confirming lack of authorization is available. This violation of FCRA rights must be corrected immediately. Continued reporting of unauthorized inquiries is unlawful and damaging to my financial profile. The bureau must conduct a full investigation and remove this inquiry from my report. Reinvestigation is required to comply with federal law and restore my accurate credit profile. 

I request the CFPBs immediate oversight to guarantee that all disputed accounts and incorrect addresses are reinvestigated, verified, and corrected or deleted in accordance with FCRA requirements. The continued reporting of false information has caused substantial financial and personal harm. I request written documentation confirming all corrective actions taken.

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