Consumer complaint received 2025-09-10 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: WA

Complaint narrative:
I am formally notifying the Consumer Financial Protection Bureau of multiple erroneous items on my credit report, including a wrong address and fraudulent accounts. These inaccuracies violate FCRA Sections 1681i, 1681e ( b ), 1681s-2, 609 ( a ), 611, and 623 ( a ) ( 1 ), which require accurate and verifiable reporting. The false reporting has resulted in harm to my financial standing, denial of credit opportunities, and emotional stress. I request the CFPBs intervention to ensure thorough reinvestigation, verification, and removal of unverifiable items. 

XX/XX/XXXX Date Opened : XX/XX/XXXX Balance : {$260.00} Late Payment * * This account is being inaccurately reported with late payments. Under FCRA 611, when a consumer disputes, the credit bureau must verify the accuracy of the reported data with reliable records. If no proper documentation exists, the account must be updated or removed. No creditor has ever provided evidence of late payment dates with original statements or payment history records tied to me. Continuing to report unverified delinquencies damages my creditworthiness, inflates my risk profile, and directly violates federal law. Unless verifiable proof is obtained, this derogatory remark must be corrected or deleted. 

XXXXXX/XX/XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment XX/XX/XXXXThis account has been closed with a XXXX balance, yet you continue to show it with late payment history. Continuing to report a derogatory status on a closed, paid account is misleading and violates the requirement for maximum possible accuracy under 607 ( b ). If an account is closed and paid, then no new delinquency can legally exist, and prior reported late payments must be verified with original creditor records. Failure to remove or correct this inaccuracy shows noncompliance with the FCRA, and the item must be deleted if you can not obtain verification. 

XX/XX/XXXXDate Opened : XX/XX/XXXX Balance : {$400.00} Late Payment * * This account is showing late payments despite the fact that I never received proof of delinquency. Furnishers are required under the FCRA and FDCPA to maintain complete and accurate records. No billing statements, due dates, or delinquency notices have been provided. Without such validation, the reporting remains unverifiable and misleading. Continuing to list it with negative history harms my credit reputation and constitutes noncompliance. If verification can not be presented, this tradeline must be removed. 

XXXX XX/XX/XXXX Inquiry This hard inquiry was placed without my authorization or permissible purpose under FCRA 604 . I never applied for credit with this company, and no signed application has been presented. Reporting unauthorized inquiries violates my privacy rights and damages my credit profile. This inquiry must be removed. 

XXXX XX/XX/XXXX Inquiry This inquiry was not initiated by me. Under FCRA 604, a consumer reporting agency may only list inquiries with permissible purpose and my consent. No such consent exists, making this reporting inaccurate and harmful. It must be deleted. 

XXXX XXXX XX/XX/XXXX Inquiry This inquiry was unauthorized. I never applied for credit with XXXX XXXX, and therefore no permissible purpose existed. Continued reporting without proof violates federal law and must be corrected by removal. 

XXXX XXXX XX/XX/XXXX Inquiry This inquiry was made without my permission. No credit application was submitted by me, and therefore, this is an unauthorized and unlawful inquiry. It must be deleted to remain in compliance with the FCRA. 

XXXX XXXX XX/XX/XXXX Inquiry This inquiry is not authorized. No proof of my application or consent has been provided, and without it, the bureau can not lawfully maintain this record. It must be removed immediately. 

I respectfully request the CFPB to ensure that all reporting agencies and creditors comply with the FCRA, verifying all disputed items or deleting them if unverifiable. The false reporting has caused financial damage, stress, and harm to my reputation. I expect confirmation in writing once all inaccuracies have been fully addressed.

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