Consumer complaint received 2025-09-26 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: CA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate and unfairly reported accounts on my credit report. These inaccuracies have caused significant financial and emotional distress, including denial of credit, higher interest rates, and ongoing harassment from debt collectors. I request the CFPB to intervene and ensure a thorough investigation and correction of my credit file as required under federal law, specifically the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, and the Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5531.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$4500.00} Chargeoff XXXX XXXX I dispute this charge-off account as inaccurately reported. FCRA Section 611 ( a ) requires that any disputed information be fully investigated and verified. The reported balance is false and inconsistent with my own records. I have never received proper notices of default or charge-off from the creditor. The creditor has not supplied adequate verification of this account. Reporting it as a charge-off without documentation violates Sections 607 ( b ) and 609 ( a ). The account is causing damage to my credit score and is unfairly affecting my ability to obtain credit. Documentation in my possession contradicts the reported status and balance. The account may have been misassigned or erroneously reported. Any unverifiable information must be deleted immediately. Misreporting this account interferes with my financial stability. Failure to correct inaccurate reporting violates federal law. I demand immediate reinvestigation. The bureau has a legal obligation to ensure accuracy. Reporting incomplete, inaccurate, or unverifiable information violates my rights. I request written confirmation of corrections made. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$960.00} Chargeoff XXXX XXXX  I dispute the reporting of this account as a charge-off. FCRA Sections 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) require that disputed information be verified. The balance is incorrectly reported. I have never received proper billing statements or notice of charge-off from the creditor. Reporting unverifiable information violates Sections 607 ( b ) and 611 of the FCRA. The current reporting is harming my credit profile and financial reputation. The account may have been misassigned. Documentation in my possession contradicts the reported balance. The bureau must reinvestigate thoroughly and provide proof of accuracy. Failure to verify must result in immediate deletion of the account. Misreporting negatively impacts my ability to obtain loans or housing. I demand written confirmation of corrections. The inaccurate reporting is a legal violation. The account has been misrepresented. The bureau is legally required to report only accurate information. Immediate correction or removal is necessary. The account is causing financial and personal harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$720.00} Chargeoff XXXX XXXX  This account is inaccurately reported as a charge-off. FCRA Sections 607 ( b ) and 611 ( a ) mandate full verification of disputed information. The reported balance is false and unsupported. I have never received proper notices or documentation validating this charge-off. Reporting unverifiable information violates federal law. The account negatively affects my creditworthiness. My personal records contradict the reported balance. The bureau must reinvestigate this account thoroughly. Unverifiable information must be deleted immediately. Misreporting interferes with my ability to obtain fair credit. The account may have been misassigned. The creditor has failed to provide proof of liability. Accurate reporting is legally required. The current reporting is misleading, incomplete, and damaging. I demand correction or removal. Failure to comply violates FCRA and harms my financial standing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$2400.00} Chargeoff XXXX XXXX I dispute the charge-off reporting on this account. FCRA Sections 607, 609, and 611 require accurate, complete, and verifiable reporting. The reported balance is false and inconsistent with my records. No proper default notices were ever received. Reporting unverifiable information violates federal law and damages my credit. The creditor has failed to provide adequate proof of the balance or charge-off status. The account may have been misassigned. My records directly contradict the reported information. The bureau must reinvestigate and remove any unverifiable details. Misreporting interferes with my ability to obtain loans or housing. Accurate reporting is legally required. Sections 607 ( b ) and 611 ( a ) require removal of unverifiable accounts. The current reporting is damaging and unfair. I demand immediate correction or deletion. Failure to comply violates my rights under federal law. The account is harming my creditworthiness and financial opportunities. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$160.00} Chargeoff XXXX XXXX This account is being reported inaccurately as a charge-off. FCRA Sections 607 ( b ) and 611 ( a ) require verification of disputed accounts. The balance and status are false. No documentation has been provided to substantiate the reported charge-off. Misreporting this account damages my credit profile. I request a full reinvestigation by the bureau. My personal records contradict the reported information. Unverifiable accounts must be removed immediately. Misreporting interferes with my ability to secure fair credit. The account may be misassigned. Failure to verify violates federal law. Accurate reporting is legally mandated. I demand immediate correction or deletion. The current reporting is incomplete and misleading. Misreporting causes undue financial harm. The bureau must act promptly to correct this account. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$2900.00} XXXX * * I dispute this account as inaccurately reported. FCRA Sections 609 and 611 require verification of any disputed account. The balance and charge-off status are false. No proper documentation or notices were provided. Reporting unverifiable information violates federal law and harms my credit profile. The account may be misassigned. My records contradict the reported balance. Accurate reporting is legally required. The bureau must reinvestigate thoroughly. Unverifiable information must be removed. Misreporting affects my ability to obtain loans. Failure to correct inaccurate information is a violation of FCRA. I demand immediate correction or deletion. Misreporting interferes with financial stability. The account is damaging my creditworthiness. Verification must be provided or the account removed. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$2100.00} Chargeoff XXXX XXXX I dispute this charge-off account. FCRA Sections 607, 609, and 611 require accurate reporting and verification. The balance reported is false and unsupported. I never received proper default notices. Misreporting this account harms my credit profile and financial opportunities. Verification has not been provided. Reporting unverifiable information violates federal law. The account may be misassigned. I demand thorough reinvestigation. Unverifiable details must be deleted immediately. Misreporting interferes with my ability to obtain credit. My records contradict the reported balance. Accurate reporting is legally required. The account is causing undue financial harm. I demand immediate correction or removal. Failure to comply violates FCRA. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$4500.00} XXXX XXXX XXXX  This account is inaccurately reported as a charge-off. FCRA Sections 607, 609, and 611 mandate verification of disputed accounts. The balance is false and unsupported. Documentation contradicts the reported information. Misreporting violates federal law and damages my creditworthiness. The account may be misassigned. I demand a full reinvestigation. Unverifiable information must be deleted immediately. Reporting false details interferes with my ability to obtain credit. Accurate reporting is legally required. Sections 607 ( b ) and 611 ( a ) require removal of unverifiable accounts. The account is negatively impacting my creditworthiness. I request immediate correction or deletion. Failure to comply violates my rights. The current reporting is misleading and unfair. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff XXXX XXXX I dispute the reporting of this account. FCRA Section 611 ( a ) requires reinvestigation of disputed information. The reported balance and charge-off status are false. No documentation has been provided by the creditor. Misreporting violates Sections 607 ( b ) and 609 ( a ). The account negatively affects my credit profile. I demand a full reinvestigation. Failure to verify should result in deletion. Reporting inaccurate information harms my ability to obtain fair credit. My records contradict the reported status. The account may have been misassigned. Accurate reporting is legally required. I demand immediate correction or removal. Misreporting causes undue financial harm. The bureau must act promptly to correct this account. 

I hereby request the CFPB to fully investigate all three accounts listed above, enforce proper application of FCRA and FDCPA provisions, and ensure that my credit report is updated accurately to reflect true account status. These inaccurate charge-offs are causing real and ongoing financial and emotional harm, and I request CFPB intervention to guarantee my rights are protected and that responsible reporting standards are upheld.

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