Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against multiple data furnishers and credit reporting agencies for inaccurate, misleading, and harmful information being reported on my consumer credit file in violation of the Fair Credit Reporting Act ( XXXX  ), Fair Debt Collection Practices Act ( XXXX  ), and Consumer Financial Protection Act ( XXXX ). Despite previous disputes and attempts to resolve these issues, the following inaccurate items remain on my report, causing severe damage to my financial wellbeing, credit opportunities, and emotional state. 
XXXX XXXX Acct Ending XXXX * * LATE PAYMENT * * High Balance : {$11000.00} | Date Opened : XX/XX/XXXX Issue : This account reports late payments that I was never properly notified about. I had automatic payments set up, and any missed payment would have been an error by the system, not intentional on my part. 
Law : Under FCRA XXXX ( a ), furnishers of information must report accurate data. They also must notify consumers of negative actions per FDCPA. 
Story : I found out about this late payment only after being denied a car loan. I was embarrassed in front of my family during the dealership visit. I contacted XXXX XXXX, but they failed to give me any written breakdown of when and why the payment was late. This is unjust and humiliating. 
XXXX XXXX XXXX Acct Ending XXXX * CHARGE OFF * * High Balance : {$27000.00} | Date Opened : XX/XX/XXXX Issue : This charge-off is reported without warning or documentation. I had lost my job and requested a hardship plan, but they didnt offer any resolution or payment relief. 
Law : FCRA XXXX ( b ) mandates that furnishers conduct investigations when disputes arise and must not continue to report information without verifying its accuracy. 
Story : I was under extreme stress from medical bills and financial hardship. I wrote to them explaining my situation and asked for assistance. Instead of helping, they pushed the account to charge-off and reported me negatively. I felt betrayed and punished for being honest about my situation. 
XXXX XXXX Acct Ending * * * * LATE PAYMENT High Balance : {$18000.00} | Date Opened : XX/XX/XXXX Issue : This account appears to be a duplicate of the XXXX below with the same balance and open date. It creates confusion and inflates my credit risk inaccurately. 
Law : FCRA XXXX ( b ) requires accurate, non-duplicative reporting. Credit bureaus must ensure reports are not misleading. 
Story : I was denied a mortgage pre-approval because the underwriter flagged this as XXXX separate high-balance delinquent accounts. This duplication caused major confusion and cost me a home I was ready to move into. I cried that day and lost my application fee. 
Failure to correct and act upon these repeated and harmful inaccuracies may result in further legal escalation under FCRA XXXX and XXXX for willful and negligent non-compliance. 
Thank you for your attention to this matter. I am seeking fair treatment, accurate reporting, and protection under the laws guaranteed to me as a consumer.

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