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: TX

Complaint narrative:
I am writing to file a formal complaint against the furnishers and credit reporting agencies for reporting inaccurate, incomplete, and unlawful information on my consumer credit file. These actions have caused me financial and emotional harm and violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, as well as the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

According to the FCRA, consumer reporting agencies and furnishers of information have a legal duty to ensure the maximum possible accuracy of the information they report. Yet, despite my good-faith efforts, the following accounts and records remain incorrect : XXXX XXXX XXXX  Reported Late Payment This account is reporting late payments which I dispute as inaccurate. Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), a furnisher may not report information that it knows or has reasonable cause to believe is inaccurate. The reporting of late payments that are not accurate has directly harmed my creditworthiness. I have requested validation and supporting evidence, yet no proof has been provided to substantiate this claim. 

XXXX XXXXXXXX XXXX Reported as Charge-Off This account is being reported as a charge-off. Under FCRA 1681i ( Reinvestigation of Disputed Information ), the credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes information. I have disputed this account, but no proper reinvestigation or verification has been completed. Reporting a charge-off without verified documentation constitutes negligent and willful noncompliance under FCRA 1681n & 1681o. 

XXXX XXXX XXXX XXXXXXXX Reported as Charge-Off This account is also being reported as a charge-off. Once again, under the FCRAs accuracy and reinvestigation requirements, the information must be proven accurate with documented evidence. No such validation has been provided. Continuing to report this alleged charge-off without verification is a clear violation. 

XXXX XXXX Reported XXXX XXXX This furnisher is reporting late payments that are disputed. FCRA 1681s-2 ( b ) requires furnishers to correct and update information that they find to be inaccurate after a dispute is filed. However, the late payments continue to appear without validation, harming my credit profile unfairly. 

XXXX Bankruptcy XXXX XXXX Bankruptcy Reporting My consumer report contains a bankruptcy record. Under FCRA 1681c ( a ) ( 1 ), bankruptcies can only be reported for up to 10 years from the date of adjudication. Beyond the time limit or if not verifiable with certified court documentation, such information must be deleted immediately. The current reporting appears to lack the necessary verification directly from the court. 

XXXX Inquiry XX/XX/year> Unverified Inquiry There is a hard inquiry from XXXX dated XX/XX/year>. I did not authorize this inquiry. Under FCRA 1681b ( f ), a credit reporting agency may not furnish a consumer report to anyone who does not have a permissible purpose. This inquiry appears to be unauthorized, and its presence is damaging my credit unfairly.

Conclusion & Demand for Relief The continued reporting of these inaccurate accounts and records is a direct violation of federal law. These furnishers and credit reporting agencies have failed in their obligations under the FCRA to ensure accuracy, conduct proper investigations, and remove unverifiable or outdated information.

I am requesting that the Consumer Financial Protection Bureau take immediate action to enforce compliance and ensure that : All disputed late payments, charge-offs, and unauthorized inquiries are deleted from my consumer reports.

The bankruptcy record is verified with certified court documentation or removed if unverifiable.

Furnishers provide documented proof of each alleged obligation, or the items must be deleted.

Appropriate penalties and corrective actions are taken against the furnishers and credit reporting agencies for violations of the FCRA and FDCPA.

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