Consumer complaint received 2025-09-13 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. 

Late Payment XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$870.00} Date Opened : XX/XX/XXXX This account is showing late payments that are not accurate or fully verifiable. I have never been provided with any written documentation proving the exact dates or amounts of the alleged late payments, nor have I received copies of billing statements or notices of default that would validate these claims. Under FCRA 1681i ( a ), you are required to conduct a reasonable reinvestigation and obtain direct verification from the furnisher of information. Failure to do so within 30 days requires deletion of the inaccurate data. By reporting unverifiable late payments, you are damaging my creditworthiness, increasing my cost of borrowing, and preventing me from obtaining housing and employment opportunities. I am demanding that you either provide me with full documentation proving these late payments from XXXX XXXX Bank or permanently delete the negative information from my file to comply with federal law. 

Charge-Off XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$520.00} Date Opened : XX/XX/XXXX This account is being reported as a charge-off, yet I have never been provided with proper validation from XXXX XXXX showing that the debt was legitimately charged off, the amount is accurate, and the reporting complies with FCRA 1681e ( b ). I have disputed this previously, and your reinvestigation response was insufficient as you did not supply original source documentation such as signed agreements, complete payment history, or proof of default notice. Continuing to report an unverified charge-off after multiple disputes is a violation of FCRA 1681i ( a ) because you have not met the requirement for a reasonable reinvestigation. This reporting is causing severe harm by lowering my credit score, limiting my access to affordable credit, and impacting my financial stability. I demand that you delete this charge-off immediately if you can not produce direct verification from XXXX XXXX that fully substantiates every detail being reported. 

Inquiry XXXX  XXXX XX/XX/XXXX This inquiry is not connected to any application I have submitted and is harming my credit score unnecessarily. The FCRA gives me the right to dispute and have unverifiable inquiries removed. If the furnisher can not produce proof of authorization, this must be deleted from my report immediately to prevent further damage. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry was made without my consent, and I have no relationship with XXXX XXXX or any dealership that would have a permissible purpose to access my credit file. You are legally obligated to verify the validity of this inquiry under FCRA 1681i ( a ) and remove it if no proof can be provided. 

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 explanation