Consumer complaint received 2025-09-19 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 filing this complaint with CFPB due to multiple inaccuracies on my credit report, including late payments, charge-offs, and an unauthorized hard inquiry. The reporting of these items violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires credit reporting agencies to ensure accuracy, completeness, and proper verification of consumer information. I have repeatedly disputed these items with the reporting agencies, yet they continue to appear on my credit report without verification. 

ACCOUNTS XXXX XXXX # XXXX * * | Date Opened : XX/XX/XXXX | Balance : {$3700.00} | Late Payments * * This account is reporting multiple late payments that are not accurate and do not match my payment history. FCRA 609 ( a ) entitles me to all documents, contracts, and records showing my payment history, yet nothing has been provided despite prior disputes. The bureau is obligated under 611 ( a ) ( 1 ) to conduct a reasonable reinvestigation and correct or delete unverifiable data. Reporting this account with derogatory information lowers my credit score unfairly and damages my creditworthiness. FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know is inaccurate. Continuing to publish this incorrect data after notice is considered willful noncompliance under 616. I am requesting immediate deletion if no verifiable proof is produced within the statutory 30-day period. 

XXXX XXXX # XXXX * * | Date Opened : XX/XX/XXXX | Balance : {$4400.00} | Late Payments * * This account contains incomplete and unverifiable late payment data that continues to harm me financially. Under FCRA 607 ( b ), the bureau must follow reasonable procedures to assure maximum possible accuracy of the information it reports. No signed billing statements or original payment records have been provided to substantiate the late payment history. Failure to correct or delete this entry after repeated disputes constitutes negligent noncompliance under 617. This inaccurate reporting has resulted in a reduction of my credit score, higher interest rates, and denial of credit opportunities. The law gives me the right to an accurate consumer file, and if the account can not be fully verified with original source documentation, it must be permanently removed. 

XXXX XXXX # XXXX * * | Date Opened : XX/XX/XXXX | Balance : {$3400.00} | Late Payments * * This account is being reported with late payments that are not consistent with my records. FCRA 611 ( a ) ( 5 ) requires deletion of any information that can not be verified during the reinvestigation process. Continuing to report this entry without proper verification is a direct violation of federal law. The bureau must contact the original creditor and obtain a full payment history, including dates and amounts of each alleged delinquency. If this proof can not be provided, the entry must be deleted. Failure to act will result in further escalation including a complaint to the Consumer Financial Protection Bureau ( CFPB ) and possible civil action for damages under 616 and 617. 

XXXX XXXX # XXXX * * | Date Opened : XX/XX/XXXX | Balance : {$4200.00} | Late Payments * * This entry continues to show derogatory marks that are not verified and not supported by documentation. Under FCRA 609 ( c ), I am entitled to a summary of my rights, including the right to dispute and demand verification. The bureau must provide evidence such as original contracts, billing statements, and account histories that prove the accuracy of the late payment reporting. Without such proof, the information must be deleted under 611 ( a ) ( 5 ). By failing to ensure accuracy, the bureau violates 607 ( b ) which requires reasonable procedures for data reporting. This has caused measurable harm by limiting my ability to obtain fair credit terms and must be corrected immediately. 

XXXX XXXX # XXXX * * | Date Opened : XX/XX/XXXX | Balance : {$1900.00} | Late Payments * * The reporting of this account is misleading and unfair as no verified documentation of late payments has been supplied. Under FCRA 611 ( a ) ( 1 ) ( A ), the bureau is required to reinvestigate disputed information and provide the results to the consumer. No certified evidence has been shown to prove this data is accurate. The continued reporting of unverifiable information violates 623 ( b ) and constitutes negligent noncompliance under 617. I am demanding deletion of this account from my credit file to restore accuracy and compliance with federal law. 

XXXX XXXX # XXXX * * | Date Opened : XX/XX/XXXX | Balance : {$7300.00} | Late Payments * * This account is reporting repeated late payments without proper validation. The FCRA under 602 ( a ) emphasizes the need for fair and accurate credit reporting, and under 623 ( a ) ( 1 ), furnishers must not report information they know is inaccurate. Repeated disputes have not produced any documentation verifying these late payments. Reporting inaccurate information lowers my score and causes harm to my financial standing, which makes this a continuing violation of my consumer rights. I request immediate deletion of this entry if the bureau can not fully verify it with proper records. 

XXXX XXXX # XXXX * * | Date Opened : XX/XX/XXXX | Balance : {$4400.00} | Late Payments * * This entry contains late payment data that is incomplete, unverified, and harmful to my credit report. The bureau is required under FCRA 611 ( a ) to perform a reasonable reinvestigation and remove unverifiable information. Continued reporting of this account without proof violates 623 and 607 ( b ), which mandate accuracy and compliance. I am demanding that you either provide the original documentation of my payment history or permanently delete this account to avoid further harm and potential legal liability. 

XXXX XXXX # XXXX * * | Date Opened : XX/XX/XXXX | Balance : {$4500.00} | Late Payments * * This account continues to report negative data that can not be verified. Under FCRA 611 ( a ) ( 5 ), unverifiable information must be promptly deleted. The bureau has had more than enough time to reinvestigate and correct this record, yet the account remains unchanged. This failure constitutes willful noncompliance under 616. I am requesting permanent deletion or correction to bring my credit file into compliance with federal law. 

XXXX XXXX # XXXX * * | Date Opened : XX/XX/XXXX | Balance : {$2700.00} | Late Payments * * This entry remains inaccurate and unverifiable despite prior disputes. Under FCRA 609 ( a ), I am entitled to know the sources of the information in my credit file. The bureau has failed to provide these sources or original documentation proving the alleged delinquencies. The law is clear that unverifiable data must be deleted under 611 ( a ) ( 5 ). Failure to do so exposes the bureau to civil liability under 616 and 617. I am demanding deletion of this account from my credit report. 

XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} * * Late Payments This is a federal student loan account that has been closed and carries a XXXX balance, yet it is still reporting on my credit report as though it is open. The FCRA requires credit reporting agencies to ensure that only accurate and verifiable information is reported. The duplicate reporting of this same loan multiple times violates FCRA 1681e ( b ), which requires maximum possible accuracy. Continued reporting of this account without proof of its legal validity creates a misleading impression of my credit obligations and artificially inflates my number of accounts. I have previously disputed this account, and no proper validation documents have been provided within the required 30 days under 1681i. Since this account is satisfied, has no balance, and is still harming my creditworthiness, I am demanding its deletion. Failure to correct this after repeated disputes constitutes negligent and possibly willful noncompliance under 1681n and 1681o, which provides me the right to seek legal action for damages. 

XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} * * Late Payments This is a duplicate entry of the student loan listed above, which is clearly inaccurate because it reports the same account twice under the same account number and same open date. Duplicate reporting is a direct violation of FCRA 1681e ( b ) and creates a misleading impression of multiple obligations. By continuing to report this account despite prior disputes, the credit bureau is failing to maintain maximum possible accuracy. I am demanding deletion of this second listing immediately. If you can not provide complete documentation from the Department of Education proving that this listing is separate and valid, you are required under 1681i ( a ) ( 5 ) to remove it. Continued duplicate reporting after repeated disputes may be considered reckless disregard for the truth and qualifies for statutory damages under 1681n. 

XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} * * Late Payments This account is reporting a {$0.00} balance but still appears active, which is misleading. The FCRA 1681c requires that obsolete, unverifiable, or closed accounts must be removed when disputed if they can not be proven accurate. I have already disputed this account multiple times and no original creditor documentation has been provided. Continuing to report this information without verification violates 1681i, which mandates a reasonable reinvestigation. The ongoing presence of this account damages my credit profile by affecting my overall number of reported accounts and credit utilization history. I am demanding immediate deletion if you can not provide documentation showing this account is legally reportable. Noncompliance may expose the credit bureau to liability under 1681n for willful violations. 

XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} * * Late Payments This is another duplicate of the same loan listed above and is therefore inaccurate and misleading. Duplicate entries are prohibited under FCRA 1681e ( b ). The presence of two identical accounts with the same number and open date makes it appear as though I had more debt obligations than I actually did, harming my creditworthiness. Since I have previously disputed this account and it continues to report, I demand its deletion under 1681i ( a ) ( 5 ). Failing to remove this duplicate entry after repeated disputes shows a lack of reasonable procedures for assuring maximum possible accuracy, which violates the FCRA and entitles me to legal remedies if not corrected immediately. 

XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} * * Late Payments This loan is closed, has a XXXX balance, and yet it continues to report as active or open on my credit file. This is misleading and inaccurate reporting under FCRA 1681e ( b ). I have requested documentation verifying the status of this account, and none has been provided. Under 1681i, you must either verify this information or delete it from my report. The continued presence of this account affects my credit utilization and makes it appear that I have active debt obligations that do not exist. I am again demanding deletion if you can not provide full verification from the original servicer. If not corrected, I will consider this willful noncompliance and seek legal remedies under 1681n. 

XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} * * Late Payments This account appears twice on my credit report, which violates FCRA 1681e ( b ). I have previously disputed this and have not received any valid proof that these are separate accounts. Reporting the same account multiple times creates a false impression of additional debt obligations and negatively impacts my creditworthiness. Under 1681i ( a ), the credit bureau must delete information that can not be verified within the reinvestigation period. Since you have failed to provide proper verification, I am demanding this account be deleted permanently to comply with federal law. Continued duplicate reporting after disputes may constitute negligent or willful noncompliance. 

XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} * * Late Payments This is the duplicate version of the same student loan above, which is clearly inaccurate. Duplicate reporting must be removed under FCRA 1681i ( a ) ( 5 ). I have disputed this multiple times, and your failure to correct it shows a violation of the duty to maintain maximum possible accuracy. If you can not produce full validation directly from the Department of Education showing this is a separate, legitimate account, it must be deleted. Failure to comply constitutes a violation of 1681n and 1681o, making the bureau liable for damages. 

XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} * * Late Payments This account is no longer verifiable and should have been removed after my initial dispute. Under FCRA 1681c ( a ), outdated or closed accounts must be removed if they can not be verified. You have failed to provide sufficient validation despite my multiple disputes, which violates your duty under 1681i. Continuing to report unverifiable data after notice from the consumer is considered willful noncompliance under 1681n and can subject the bureau to legal action. I am demanding permanent deletion of this account to restore accuracy to my credit file. 

XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} * * Late Payments This is another closed federal student loan account reporting inaccurately. A XXXX balance account that remains on file as active or delinquent is misleading. The FCRA requires credit bureaus to ensure accuracy and to delete unverifiable information. I have disputed this account several times, and no documentation has been provided proving its accuracy. Under 1681i ( a ), you must conduct a reinvestigation and remove this account if it can not be verified. Continued inaccurate reporting harms my creditworthiness and may lead to a claim for damages under 1681n. 

XXXX XXXX  XXXX * * Date Opened : XX/XX/XXXX Balance : {$4700.00} * * Chargeoff This account is reporting with inaccurate balance information and possible late payments that are not valid. Under FCRA 1681s-2 ( a ), furnishers must report accurate information and promptly correct any errors once notified. I have disputed this account previously and have not received verification or proof of the reported balance. The failure to provide documentation constitutes a violation of 1681i, which requires deletion of unverifiable information. Continued reporting of incorrect data affects my utilization ratio, credit score, and overall creditworthiness. I am demanding either full verification with proper documentation from XXXX XXXX XXXX XXXX or immediate deletion. Repeated failure to correct this may constitute willful noncompliance under 1681n, entitling me to damages. 

INQUIRIES XXXX  XXXX XX/XX/XXXX Inquiry This inquiry was placed on my credit file without my authorization. Under FCRA 604, a consumer reporting agency may only provide a credit report to a party with permissible purpose. No permissible purpose was granted in this case. I did not initiate a credit application with this company, and the continued reporting of this inquiry is a violation of federal law. The failure to remove this item despite multiple disputes shows negligence and a failure to meet compliance obligations. 

XXXX  XXXX XX/XX/XXXX Inquiry This inquiry is also unauthorized and can not be verified. Under the FCRA, you are required to delete any entry that can not be substantiated with legally permissible documentation. I did not authorize or initiate this account review, and no signed credit application exists to validate the inquiry. Continuing to report this information without proper proof constitutes a violation of my rights under FCRA 604 ( a ) ( 2 ) and 607 ( b ). This is damaging my creditworthiness and must be corrected. 

XXXX XXXX XX/XX/XXXX Inquiry This is a recent inquiry that I never authorized. According to the FCRA, a business must have explicit authorization or a legitimate business relationship to pull a consumers credit. I had no dealings or agreements with this company, and therefore no legal grounds exist for them to obtain my credit report. By allowing this inquiry to remain, the bureau is in violation of federal law requiring accuracy and fairness in consumer reporting. The lack of proof from the furnisher requires immediate deletion. 

I request CFPB to enforce my rights under the FCRA, require the credit reporting agency to conduct a complete and verified reinvestigation, remove all inaccurate information, and delete unauthorized inquiries. Each item listed is inaccurate, unverifiable, or unauthorized, and the reporting agencies have repeatedly failed to comply with federal law. These inaccuracies are damaging my financial reputation, lowering my credit score, and restricting my access to fair credit. CFPB intervention is necessary to ensure compliance with FCRA and protect my consumer rights.

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