Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My TransUnion credit report contains several inaccurate and harmful entries that do not reflect my current financial responsibility. These include charge-offs, duplicate accounts, unauthorized hard inquiries, outdated personal information, and late payments that occurred during a documented hardship involving medical recovery and divorce. I have attached a detailed letter outlining each issue and the corresponding violations under the Fair Credit Reporting Act. I am now stable and actively rebuilding my credit. I am requesting a full investigation and correction of all inaccurate or unverifiable entries to reflect a fair and accurate credit report. 

Dear CFPB Representative, I am writing to formally file complaints regarding several inaccurate and harmful items appearing on my TransUnion credit report ( File # XXXX ) dated XX/XX/XXXX. These items are causing significant financial hardship and are being reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 

As a consumer who has recently faced medical issues and a divorce that severely disrupted my financial situation, I am requesting full investigations and immediate corrections or deletions of the accounts listed below : XXXX. XXXX Bank ( Acct # XXXX ) Issue : Charged-Off {$15000.00} reported unpaid.Violation : FCRA 611, 623 ( failure to verify accuracy ) ; no validation provided.Requested Action : Permanent removal due to unverifiable and inaccurate status. 

XXXX. XXXX XXXX  ( Acct # XXXX ) Issue : Sold/Charged-Off {$0.00} balance but derogatory remark remains.Violation : FCRA 611 ( b ) ; obsolete data and unverifiable balance.Requested Action : Remove entire tradeline. 

XXXX. XXXX XXXX  ( Acct # XXXX ) Issue : XXXX and XXXX late marks ( XXXX & XX/XX/XXXX ) .Requested Action : Remove late marks under documented hardship and good faith payment history. 

XXXX. XXXX XXXX ( Acct # XXXX ) Issue : XXXX late payment in XXXX XXXX XXXX : Remove late mark as goodwill adjustment due to financial hardship. 

XXXX. XXXX  XXXX XXXX ( Acct # XXXX ) Issue : XXXX late payment in XXXX XXXX XXXX : Remove late mark as goodwill adjustment under hardship provision. 

XXXX. XXXX XXXX XXXX ( Acct # Unspecified ) Issue : Historical derogatory data ; possibly inaccurate or outdatedViolation : FCRA 611 ; outdated or unfair residual dataRequested Action : Remove all derogatory remarks due to age or inaccuracy XXXX. LendingClub Duplicate ReportingIssue : XXXX separate accounts ( # XXXX and # XXXX ) possibly reflect the same original loanViolation : FCRA 611 ( a ) ( 1 ) ( A ) ; duplicate tradelines damaging consumer creditRequested Action : Investigate and delete any duplicated negative data 8. Outdated Personal InformationIssue : Multiple old addresses and previous employers still listedViolation : FCRA 609 ( c ) ( 2 ) ( E ) Requested Action : Remove any obsolete or inaccurate personal identifiers to ensure file accuracy 9. High Credit Utilization ImpactIssue : Open revolving accounts are reporting high balancesNote : Though balances are valid, the reporting disproportionately affects credit standingRequested Action : Consider supplemental statement flag or courtesy review to contextualize high usage due to recent hardship recovery XXXX. XXXX XXXX : Several hard inquiries may be unauthorized or excessiveRequested Action : Investigate inquiries that may not have consumer consent or valid purpose XXXX. [ Individual Complaint Letter Hard Inquiries ] To Whom It May Concern, This complaint relates to multiple hard inquiries found on my TransUnion credit report, some of which I do not recall authorizing or that may have been submitted without my full consent. 

Under the FCRA 604 ( a ), a consumer reporting agency may only furnish a consumer report under limited and specifically permissible purposes. Each inquiry must have a permissible purpose and must be authorized by me directly. 

I request that each hard inquiry listed be verified for authorization and legitimate purpose. Any inquiries that can not be verified or that occurred without my express consent should be removed immediately. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

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