Consumer complaint received 2025-08-04 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:
Dear CFPB, I am submitting this formal complaint regarding the repeated reporting of inaccurate, outdated, unverifiable, and unauthorized information on my credit reports. This harmful data is causing irreparable damage to my financial and personal life, and despite previous disputes and communications, the information remains uncorrected. Below is a breakdown of the specific issues I am facing with addresses, accounts, collections, and hard inquiriesall of which violate the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other relevant consumer protection laws. 
XXXX XXXX XXXXXXXX XXXX  Issue : Reported as Charge-Off with High Balance {$330.00}, Opened XX/XX/XXXX Law : Under FCRA 623 ( a ) ( 1 ) ( A ), data furnishers must report accurate data, and under FDCPA 809 ( b ), they must validate the debt upon dispute.

Story : During the pandemic, I experienced serious financial hardship due to job loss and illness. I attempted to communicate with XXXX XXXX, but received no hardship relief. This charge-off entry does not reflect the context and fails to represent fair credit reporting. No validation, contract, or accurate itemization has been provided despite previous disputes. I demand deletion for unverified and incomplete reporting. 
XXXX XXXX XXXX XXXX XXXX Issue : Charge-Off, High Balance {$420.00}, Opened XX/XX/XXXX Law : FCRA 602 ( a ) mandates fairness in reporting. FDCPA 807 prohibits false or misleading representation of debt.

Story : I never received any legal notification of delinquency or charge-off from this creditor. I was unaware of this entry until it appeared on my credit file. No statements or contract exist in my records, and the company failed to respond to my previous request for validation. This reporting appears to be inaccurate or fraudulent. Please delete. 
XXXX XXXX Issue : Late Payment, High Balance {$75.00}, Opened XX/XX/XXXX Law : FCRA 623 ( a ) ( 1 ), FDCPA 809 Story : This account was placed into a hardship program, and I was told that late payment reporting would be paused. Despite this, a late payment was reported which was not only misleading but also dishonest. I contacted the company and was ignored. This entry is inaccurate and unjust. Please remove. 
XXXX XXXX Issue : Charge-Off, High Balance {$110.00}, Opened XX/XX/XXXX Law : FDCPA 809, FCRA 623 ( b ) Story : Another charge-off from Possible Finance for a XXXX XXXX which was never validated. Reporting this tiny debt as a charge-off without proper documentation is excessive and damaging. I never received written validation. I dispute this entire entry and demand deletion. 
XXXXXXXX XXXX XXXXXXXX * Issue : Charge-Off, High Balance {$7400.00}, Opened XX/XX/XXXX Law : FCRA XXXX ( a ) ( XXXX ), UCC Article XXXX ( Repossession Law ) Story : My vehicle was repossessed, but XXXX never XXXX auction details, deficiency notices, or accounting statements. They failed to comply with notice requirements under both federal and state law. The amount reported is inflated and unverifiable. This charge-off must be removed for violating disclosure standards. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Payment, High Balance {$1000.00}, Opened XX/XX/XXXX Law : FCRA XXXX, FCRA XXXX ( a ) Story : A late payment was incorrectly marked due to a delay in automated ACH processing, which I immediately addressed. I submitted a letter explaining the situation, but the creditor never corrected it. This reporting is unjust and unfairly penalizes me for a technical issue out of my control. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : All listed as collection accounts with various balances and dates Law : FDCPA XXXX ( b ) ( Debt validation ), FCRA XXXX ( b ) Story : None of these agencies has sent proper debt validation. There are multiple duplicate entries under XXXX XXXX for the same balances and same open dates, which is a violation of federal law. I believe many of these collections are unverified, inflated, or completely fraudulent. These companies failed to show ownership, chain of title, or original contract. I dispute every one of these tradelines and demand full deletion if not XXXX  % verified within 30 days.

Summary of Requested Action 1. Investigate all listed tradelines and hard inquiries for violations under FCRA and FDCPA 2. Delete or correct any unverifiable, inaccurate, or unauthorized entries within 30 days 3. Enforce penalties for data furnishers violating consumer protection laws 4. Prevent further harm to my credit report through proper oversight and enforcement Thank you for your time and attention to this matter. I am prepared to provide any documentation or sworn statements needed to assist your investigation. Please contact me with any updates or findings.

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