Consumer complaint received 2025-11-04 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding multiple inaccurate and unverifiable items appearing on my credit report. These entries include charge-offs, collections, and late payment histories that are either false or not supported by any verified documentation. Despite my good faith efforts to maintain accurate records, these errors are negatively affecting my creditworthiness. 
Below are the specific accounts in question and the details of the inaccuracies : XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4200.00} Reported as Late Payment This late payment reporting is completely inaccurate. I have consistently made timely payments on this account, and no statement or communication from the creditor has ever indicated delinquency. Please review your records carefully and correct all inaccurate payment entries to reflect an unblemished on-time payment history. Any continued misreporting violates FCRA and the Fair Credit Billing Act. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} Reported as Late Payment I have always paid this account responsibly. I have verified my own records, and there is no history of late payments as claimed. This reporting error is damaging and misrepresents my credit behavior. I respectfully request immediate correction of all payment history and removal of any false late marks. 
XXXX CARD Acct : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00} Reported as Charge Off I do not recognize this charge-off, nor was I ever notified about such an action by XXXX. Please provide full proof of this alleged default, including detailed statements and written notice. If this account can not be verified as accurate and lawfully reported, it must be deleted from my report per FCRA guidelines. 
XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9200.00} Reported as Late Payment This is another instance of incorrect late payment reporting. My records show no delinquency on this account, and I have never been notified otherwise. Please review the creditors submission for accuracy, and remove or correct all false payment data. Continuing to report inaccurate payment history without proof violates my consumer rights under the FCRA. 
XXXX CARD Acct : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} Reported as Charge Off I do not recognize or acknowledge this charge-off. Please provide legal documentation showing that I defaulted, along with a copy of the original contract and full payment history. If you can not verify this information with credible evidence, please delete it entirely. False reporting of charge-offs causes serious damage to consumer credit profiles. 
Requested Resolution : I respectfully request that CFPB initiate a thorough investigation into these accounts and ensure that all inaccurate, unverifiable, or fraudulent items are removed or corrected. The creditors and credit bureaus should be held accountable for any violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) for reporting unverified or misleading information. 
Please confirm that the investigation has been initiated and provide updates on each accounts resolution. 
Thank you for your time and for protecting 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 non-monetary relief