Consumer complaint received 2025-09-15 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:
I am submitting this formal complaint to dispute multiple inaccurate, misleading, and unauthorized items reported on my credit file. These entries violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and have caused substantial financial and emotional harm. I request immediate investigation, verification, and correction or removal of the following items : Account Disputes and Detailed Story : XXXX XXXX XXXX High Balance {$230.00} Date Opened XX/XX/XXXX Reported as Late Payment I have consistently paid this account on time. This false late payment reporting has unfairly lowered my credit score, resulting in higher interest rates on loans and difficulty securing financial products. The emotional stress caused by seeing my responsible payments marked as late is substantial. It has affected my trust in financial institutions and created unnecessary XXXX  in my personal and professional life. 
XXXX XXXX XXXX XXXX High Balance {$10000.00} Date Opened XX/XX/XXXX Reported as Charge Off This charge-off is incorrect and misleading. Its presence on my credit report has caused serious harm, including loan denials and emotional distress. I never received proper verification or notice, and its reporting misrepresents my payment behavior, causing financial harm and impacting my ability to manage my obligations responsibly. 
XXXXXXXX XXXX XXXX XXXX High Balance {$12000.00} Date Opened XX/XX/XXXX Reported as Charge Off This reporting is false. The incorrect charge-off has caused stress, fear, and reputational harm. I have been unable to secure financing for necessary purchases, and the continuous presence of this error has impacted my financial stability and peace of mind. 
XXXX XXXX XXXXXXXX XXXX High Balance {$8500.00} Date Opened XX/XX/XXXX Reported as Charge Off The charge-off is inaccurate. It has created undue financial and emotional burdens, resulting in difficulty with everyday financial transactions. The stress and frustration from this inaccurate reporting have affected my health and focus, as I constantly worry about the consequences of false reporting. 
XXXXXXXX XXXX XXXX XXXX  High Balance {$8800.00} Date Opened XX/XX/XXXX Reported as Collection This collection account is reported incorrectly. I have never been properly notified, nor do I owe the amount claimed. Receiving collection notices and calls has caused embarrassment, stress, and a negative impact on my ability to manage finances. The presence of this account has misled potential lenders and affected my personal and professional life. 
XXXX XXXX XXXX XXXX  High Balance {$7900.00} Date Opened XX/XX/XXXX Reported as Collection This collection reporting is false. I have maintained responsible financial behavior and this inaccurate reporting has caused repeated credit denials. The stress of resolving false collection accounts has affected my mental health, created unnecessary financial strain, and impaired my ability to plan for essential expenses. 
Unauthorized/Inaccurate Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , All dated XX/XX/XXXX These inquiries were made without my authorization. Unauthorized inquiries reduce my credit score, misrepresent my financial behavior, and create confusion with lenders. I have been unfairly judged as seeking multiple credit lines irresponsibly. These inquiries have caused emotional stress, delayed financial decisions, and unnecessary scrutiny from creditors.

The above inaccuracies misrepresent my financial history, violate the FCRA and FDCPA, and have caused financial and emotional harm. I request the CFPB to ensure that : All inaccurate, misleading, or unauthorized accounts and inquiries are investigated and verified. 
Corrections or deletions are made for all inaccuracies.

Written confirmation is provided once the corrections are completed.

I have attached supporting documentation, including proof of payments, correspondence, and records verifying the inaccuracies. Immediate action is necessary to prevent continued financial and emotional harm caused by these errors.

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