Consumer complaint received 2025-09-03 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:
To Whom It May Concern, I am filing this complaint against the credit reporting agencies and furnishers for failing to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, regarding the following inaccurate and harmful items being reported on my credit file. These errors are damaging my creditworthiness, financial stability, and overall reputation. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment This account is being reported with late payments despite showing a {$0.00} balance. Under FCRA 609 and 611, information reported must be complete and accurate. This false late payment reporting has caused me to be denied a mortgage refinance, even though I worked hard to keep my accounts in good standing. The error has not only hurt my financial goals but also created significant emotional distress because I felt punished for something I never did. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off This account is marked as a charge off even though the balance is {$0.00}. This is false and misleading reporting in violation of FCRA 607 ( B ). This false derogatory entry has caused me embarrassment when I applied for a personal loan and the lender questioned why a {$0.00} balance was showing as charged off. I was denied access to funds I needed for family emergencies, which placed me in a difficult and stressful financial position. 
XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off This account is incorrectly reported as charged off. A {$0.00} balance can not be legally categorized as a charge off. This is a clear violation of FCRA 623 ( A ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate. Because of this derogatory entry, I was denied approval for a credit card that I needed to consolidate debt. Instead of being able to manage my finances better, I was forced to rely on high-interest alternatives, which worsened my financial hardship. 
XXXX  XXXX Bankruptcy # XXXX Court : U.S. Bankruptcy Court Bankruptcy This bankruptcy is inaccurately reported and has been reinserted multiple times without proper certification as required under FCRA 611 ( a ) ( 5 ). I never authorized nor confirmed the accuracy of this reporting. The stigma of bankruptcy reporting has prevented me from securing professional opportunities where credit history is reviewed. This has directly harmed my career and financial stability. 
XXXX  XXXX Bankruptcy # XXXX Court : U.S. Bankruptcy Court Bankruptcy This bankruptcy entry is inconsistent and duplicative. Duplicate entries for bankruptcies misrepresent my financial history, which violates FCRAs requirement of maximum accuracy. Because of this error, I was denied a business line of credit, which cost me growth opportunities for my small business. 
XXXX  XXXX Bankruptcy # XXXX Court : U.S. Bankruptcy Court Bankruptcy This is another bankruptcy entry being reported inaccurately. Reporting multiple XXXX  XXXX filings when they are not valid is misleading and unlawful. These false reports have caused me severe emotional distress, as creditors have treated me as high risk and refused even basic financial services. 
XXXX XXXX XX/XX/XXXX Inquiry This inquiry was not authorized by me and was made without permissible purpose. Unauthorized inquiries create the false impression that I am desperate for credit. This negative perception cost me approval on a refinancing opportunity that would have lowered my monthly payments.

The above accounts, bankruptcies, and inquiries are being reported inaccurately and unlawfully. They have caused me financial harm, higher interest rates, denial of credit opportunities, emotional distress, and reputational damage. Under FCRA, I request immediate deletion and correction of these items. If this matter is not resolved promptly, I will escalate to the CFPB, FTC, and consider legal remedies for damages caused by these violations

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