Consumer complaint received 2025-07-24 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 formal complaint to the Consumer Financial Protection Bureau ( CFPB ) to report multiple inaccurate, misleading, and harmful credit entries that are currently being reported by furnishers and credit reporting agencies. These accounts have been damaging to my credit profile, affecting my ability to obtain fair credit and causing emotional and financial hardship. Despite my repeated efforts to dispute and request verification, these accounts remain unresolved and continue to violate my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I respectfully request the CFPBs assistance in investigating these issues and ensuring that my credit report is corrected as required by law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$14.00} Late Payment * * Law/Issue : FCRA XXXX and XXXX ( b ) require accuracy and proper reinvestigation of disputed accounts Instruction : Remove the late payment and update my payment history Story : This account has always been paid on time. I reviewed my banking history and confirmed all payments were made before the due dates. This false late payment is damaging my payment history and XXXX XXXX over a mere {$14.00} and must be corrected immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law/Issue : FCRA XXXX mandates a timely reinvestigation of disputed information Instruction : Delete or correct the late payment status Story : This account was opened and paid off responsibly, with no missed payments. I never received any notice of delinquency and have email confirmations of my on-time payments. This error is likely due to reporting lag or system glitch and must be addressed to avoid future denials XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law/Issue : FCRA XXXX ( b ) demands accurate reporting and consumer protection Instruction : Remove the inaccurate late payment or provide evidence of its validity Story : This account was part of a self-credit builder program that I paid according to schedule. Any missed payment listed here is false. This mistake misrepresents my financial discipline and jeopardizes opportunities to secure favorable credit terms XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$31000.00} Late Payment * * Law/Issue : FCRA XXXX ( a ) ( XXXX ) ( A ) prohibits reporting information known to be inaccurate Instruction : Remove this late payment from the report and update the account accurately Story : I was on an approved deferment program at the time of the supposed missed payment and confirmed with the lender that no delinquency occurred. This negative mark is unjust, misleading, and potentially discriminatory in credit modeling systems XXXX XXXX XXXXXX/XX/XXXX Inquiry Law/Issue : FCRA XXXX ( a ) ( XXXX ) requires a permissible purpose for credit inquiries Instruction : Remove this unauthorized inquiry from my credit file Story : I did not apply for credit or authorize XXXX  XXXX to pull my credit on this date. This inquiry has decreased my score and XXXX be linked to a fraudulent or incorrect application XXXX XXXX XXXX XX/XX/XXXX Inquiry Law/Issue : FCRA XXXX ( a ) protects against unauthorized access to credit reports Instruction : Delete this inquiry unless you have written proof of my consent Story : I had no relationship with this entity and did not approve this inquiry. Repeated unauthorized inquiries hurt my score and imply misuse of my personal information XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Law/Issue : FCRA XXXX ( a ) ( XXXX ) mandates written permission for access Instruction : Remove this inquiry unless validation is provided Story : This credit pull is unrelated to any service I requested. I never contacted this company or gave consent, and this item should not be affecting my credit XXXX XXXX XXXXXX/XX/XXXX Inquiry Law/Issue : FCRA XXXX ( a ) ( XXXX ) allows access only with consumer-initiated transactions Instruction : Remove this entry from my credit history Story : I have no connection with this entity. This may be a result of incorrect data entry, and I demand its removal to protect my financial identity I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate these matters thoroughly and take appropriate enforcement or corrective action to ensure my rights as a consumer are protected. These inaccuracies have caused serious damage to my credit score and financial wellbeing, and they remain unresolved despite my good faith efforts to communicate with the furnishers and the credit bureaus. I respectfully ask the CFPB to ensure these accounts are properly verified or deleted and to hold the reporting entities accountable for any violations of federal law. I request copies of all findings and results once the investigation is complete.

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