Consumer complaint received 2025-08-30 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: IN

Complaint narrative:
I am filing this complaint against multiple creditors and furnishers for violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other consumer protection laws. These accounts are being reported inaccurately and unfairly, causing me severe financial and emotional harm. I have attempted to dispute these issues directly with the credit bureaus and the furnishers, but no proper investigation has been conducted, and the items continue to be reported inaccurately, which is a direct violation of federal law. I request the Consumer Financial Protection Bureau ( CFPB ) to intervene and enforce corrective action. 
XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX | Balance : {$9000.00} | Reported Late Payment This account is showing significant late payments that I have never been properly notified of. I have not received any billing statements, letters, or other forms of communication confirming such delinquencies, and there is no proof that I was ever given an opportunity to address them. Reporting late payments without providing supporting evidence is a violation of FCRA 607 ( b ), which requires that all information reported must be accurate and up to date. Under 609 ( a ) ( 1 ), I have a right to know the source of the information being reported, yet no such evidence has been presented to me. Without proper validation and documentation from the original creditor, this account can not legally remain on my credit file. 
XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Reported Late Payment This account is listed with a zero-dollar balance, yet it continues to display negative payment history. Reporting derogatory remarks on a fully paid or closed account without the required context creates a misleading impression and violates FCRA 605 ( a ), which prohibits the inclusion of outdated or incomplete information. Additionally, FCRA 611 ( a ) mandates a thorough reinvestigation when a consumer disputes the accuracy of a record, and without tangible proof, this listing can not be substantiated. If your reinvestigation fails to provide certified documentation from the original creditor confirming the legitimacy of these alleged late payments, the only lawful action is to remove this entry entirely. 
XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Reported Charge Off This charge-off entry is particularly damaging, and I have no verified records or supporting documents that show I owed a balance that warranted a charge-off. This account appears to be an outdated and unverifiable entry that should have been removed long ago under FCRA 605 ( a ), which limits the reporting of negative information beyond seven years. Furthermore, FCRA 611 ( a ) requires that all disputed items be reinvestigated and that the furnisher of the data provide documented proof from the original creditor. Without this evidence, continuing to report this charge-off is a violation of my rights under federal law and must be corrected immediately. 
Conclusion and Requested Action The continued reporting of these accounts with inaccurate, unverifiable, and misleading information is unlawful. I am suffering harm to my credit score, denial of credit opportunities, and reputational damage as a direct result. I request that the CFPB enforce immediate deletion or correction of these accounts from all consumer reporting agencies. Furthermore, I request an investigation into the furnishers and bureaus compliance with the FCRA and FDCPA, and that appropriate penalties be applied for their ongoing violations.

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