Consumer complaint received 2025-09-05 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: IL

Complaint narrative:
I am filing this formal complaint because inaccurate, misleading, and unlawful information is being reported on my credit report. These actions are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Below, I am outlining the specific accounts and the issues related to each. 

Account XXXX : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Reported : {$150.00} Status : Charge Off * * This account is being reported as Charge Off, which is misleading, incomplete, and not properly verified. Under FCRA Section 602 ( A ) [ 15 U.S.C. 1681 ], consumer credit information must always be accurate, complete, and verifiable. However, this balance was reported without proper proof or legal verification.

When I contacted the creditor, they failed to provide any valid documentation, contract, or signed agreement proving this debt. FCRA Section 611 [ 15 U.S.C. 1681i ] clearly states that if a consumer disputes information, both the Credit Reporting Agencies and the furnisher are required to conduct a proper investigation and verify the information. This was not done.

Furthermore, reporting a Charge Off status without legal validation has caused significant harm to my credit profile. This constitutes false representation under FDCPA Section 807 [ 15 U.S.C. 1692e ] because the balance and account status have not been lawfully substantiated. 

Account XXXX : XXXX XXXX ( Original Creditor : XXXX XXXXXXXX Platinum ) XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Reported : {$1600.00} Status : Collection * * This account is being reported by XXXX XXXX as a collection account. I dispute the accuracy and validity of this debt. 

First, under FDCPA Section 809 [ 15 U.S.C. 1692g ], a debt collector is required to provide written validation of the debt within 30 days of first communication. I was never provided proper validation, including an original signed agreement or itemized proof of this balance. Simply listing a balance and creditor name is not legally sufficient validation.

Second, under FCRA Section 623 [ 15 U.S.C. 1681s-2 ], furnishers like XXXX XXXX are required to ensure that the information they report is accurate and complete. Reporting a disputed and unverifiable debt is a direct violation of this law. 

Additionally, if the original creditor ( XXXX XXXXXXXX ) has already charged off this debt, then XXXX XXXX can not lawfully report or collect on it without providing enforceable documentation. Reporting unverifiable information is a deceptive and misleading collection practice, which is prohibited under FDCPA Section 807.

My Harm and Requested Resolution Because of these inaccurate and unlawful reporting practices, I have suffered serious financial and personal harm, including damage to my credit score, denial of credit opportunities, and emotional distress.

I respectfully request that CFPB take immediate action by : Requiring the creditors/collectors to provide full validation and documentation of these accounts. 

Permanently deleting any unverifiable or inaccurate accounts from my credit report. 

Investigating XXXX XXXX  and XXXX XXXX for ongoing violations of the FCRA and FDCPA, and taking enforcement action to prevent further consumer harm.

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