Consumer complaint received 2025-09-26 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: NV

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) because my credit report contains false, misleading, and unverifiable information that violates my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and other applicable laws. These inaccurate items are severely harming my creditworthiness, creating unfair obstacles in my financial life, and denying me fair access to credit and housing. Despite disputes, the reporting bureaus have continued to allow this harmful and unlawful information to remain. 

XXXX XXXXXXXX XXXX Late Payment * * Date Opened : XX/XX/XXXX Balance Owed : {$11.00} This account is being reported with late payment history, but no creditor records, billing statements, or contractual proof have been produced to validate the delinquency. Under FCRA 15 U.S.C. 1681i, the bureau must reinvestigate and obtain evidence, yet no documents have been provided. A late payment can not be listed on a credit file without certified proof from the original creditor, and in this case, the reporting is inaccurate and misleading. The continued presence of this unverifiable data damages my score and ability to obtain credit. Federal law requires maximum possible accuracy, but the reporting here is not accurate or verified. The account balance itself is small, yet the harm to my credit is severe because even XXXX false late payment lowers my score significantly. The creditor has not provided original payment ledgers, signed contracts, or clear evidence that I was ever delinquent. Continued reporting without validation is willful noncompliance. If this account can not be fully verified with certified records, it must be deleted. You are not permitted by law to publish data that can not be proven. I demand its immediate removal. 

XXXX XXXX XXXX XXXXXXXX Late Payment * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} This account shows a late payment despite reporting a XXXX balance, which is contradictory and inaccurate. It is not logical or lawful to report a delinquency when the balance is XXXX. No original records, statements, or contracts have been provided to prove I was ever late. The FCRA requires a reasonable reinvestigation, yet none has been conducted. The bureau continues to report this data without validation, which violates 15 U.S.C. 1681e ( b ). This false negative reporting damages my credit profile by making it appear I have been delinquent when I have not. The fact that no balance is owed proves there can not be a late status, making this reporting clearly inaccurate. Without certified documentation from the furnisher, the account can not remain on my file. The continued reporting of this unverifiable information shows negligence and disregard for consumer rights. Federal law requires immediate deletion of unverifiable or false data. This must be removed at once. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} This account is being reported with late payment history despite showing a XXXX balance, which makes the information misleading and inaccurate. The creditor has not provided proof such as payment records, account statements, or contracts to support the claim of delinquency. The FCRA requires consumer reporting agencies to maintain maximum possible accuracy, yet no evidence has been presented here. Reporting late payments without proof is a violation of 15 U.S.C. 1681i. Since this is my third request, failure to provide verification now demonstrates willful noncompliance. The presence of an inaccurate late payment unfairly damages my creditworthiness and misrepresents my payment history. It is unlawful to continue reporting data that can not be verified. The FDCPA also prohibits misrepresentation of debt information, and continuing to publish this is a violation. Without certified evidence, this account must be deleted. I demand its immediate removal as required by law. 

I request that the CFPB ensure the immediate deletion of the false addresses and the correction or deletion of the inaccurate late payment account. The continued reporting of these items is in direct violation of FCRA provisions and causes ongoing damage to my financial well-being. I ask for enforcement action, full reinvestigation, and corrective measures to protect my rights as a consumer.

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 explanation