Consumer complaint received 2025-08-18 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: AZ

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding multiple inaccuracies on my credit report that are seriously harming my financial standing, credit score, and personal reputation. Despite my attempts to resolve these issues with the credit bureaus and furnishers, the errors remain uncorrected. I request CFPB intervention to ensure full compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
XXXX XXXX ( Acct : XXXX XXXX XXXX XXXX  High Balance : {$840.00} | Date Opened : XX/XX/XXXX Issue : Reported as a charge-off, which is inaccurate and misleading. 
Law : Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must not report information if they know or have reasonable cause to believe it is inaccurate. FDCPA 807 also prohibits false representation of debt.

Story : This account has been mischaracterized as a charge-off when in fact the reporting is inconsistent with my payment history and the true account status. The continued listing as a charge-off creates an impression of default that is harmful, misleading, and not supported by valid evidence. Such inaccurate reporting damages my reputation and credit standing, which is against the purpose of the FCRA. I request that XXXX XXXX either provide full validation with original signed agreements and complete payment history, or that this erroneous entry be deleted immediately. 
XXXX CARD ( Acct : XXXX ) * * High Balance : {$2600.00} | Date Opened : XX/XX/XXXX Issue : Reported as a charge-off, which is incorrect. 
Law : FCRA 607 ( b ) requires maximum possible accuracy ; FDCPA 809 requires debt verification upon dispute.

Story : I dispute the validity of this charge-off. I have never received sufficient documentation verifying this alleged debt, including original contracts, statements, or payment records. Reporting an unverified charge-off without proper substantiation violates both FCRA and FDCPA. The harm from this error is significantaffecting my credit score, limiting my ability to secure financing, and subjecting me to unfair treatment. If the creditor can not verify this debt with proper evidence, it must be deleted as mandated by law. 
XXXX ( Acct : XXXX ) * * High Balance : {$1700.00} | Date Opened : XX/XX/XXXX Issue : Listed as a charge-off, inaccurate and unverified.

Law : FCRA 609 ( a ) ( 1 ) grants my right to obtain and challenge information ; FCRA 611 ( a ) requires prompt reinvestigation and deletion if unverifiable.

Story : The charge-off status being reported is not accurate. I dispute its validity and request verification with complete documentation, including original contracts, billing statements, and evidence of default. Without such proof, reporting this derogatory status constitutes willful noncompliance under the FCRA. The misreporting of this account negatively influences my financial stability and must be corrected immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$3600.00} | Date Opened : XX/XX/XXXX Issue : Reported as a charge-off erroneously.

Law : FCRA 602 emphasizes the need for fair and accurate reporting to protect consumers ; FDCPA 809 ( b ) requires that disputed debts be validated before further reporting.

Story : This account has been incorrectly reported as charged-off without valid substantiation. I have not received proper notices, documentation, or evidence proving the accuracy of this status. Such reporting is misleading, unjust, and creates undue hardship by unfairly lowering my credit score and credibility. Without proper validation, the presence of this account violates my rights as a consumer under federal law.

Requested Resolution : Immediate deletion of all inaccurate addresses.

Full reinvestigation and deletion of unverifiable or incorrect charge-off accounts.

Written confirmation of the corrections.

Assurance that these errors will not be reported again.

These inaccuracies are not only unlawful but create significant financial and personal harm. I request the CFPBs assistance in ensuring the credit bureaus and furnishers comply with federal law, reinvestigate each item thoroughly, and correct or delete all inaccurate information.

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