Consumer complaint received 2025-08-26 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: NV

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my credit report contains multiple inaccurate addresses, accounts, and inquiries that are damaging my financial profile and violating my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other federal protections. I demand immediate reinvestigation, correction, and deletion of these items as required by law. 

Account XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$860.00} Status : Chargeoff Issue : This account is inaccurately reporting as a chargeoff. 
Law : FCRA 609 ( a ) ( 1 ) gives me the right to request the source of information, and FCRA 611 ( a ) requires a reasonable reinvestigation of disputed items. 
Instruction : Verify complete payment history and validation of debt or remove it. 
Story : I was never properly informed of this account being charged off. The balance showing is inconsistent with what I know, and I never received validation notices. This inaccurate chargeoff is blocking me from obtaining new credit, renting homes, and is unfairly lowering my score. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$220.00} Status : Late Payment Issue : This account reports late payments that are not accurate. 
Law : FCRA 607 ( b ) requires maximum accuracy. 
Instruction : Correct this account history or delete it entirely. 
Story : I consistently made my payments on time. I even have confirmation receipts. Yet this account is showing late payments that never occurred. Because of this error, Ive been labeled as a risky borrower, which has already cost me loan approvals and fair interest rates. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00} Status : Chargeoff Issue : Reporting as chargeoff without valid proof. 
Law : FCRA 611 ( a ) ( 1 ) ( A ) requires proper reinvestigation when an item is disputed. 
Instruction : Provide validation documents with original creditor records or delete this account. 
Story : I was never provided documentation that this account was charged off. The sudden reporting destroyed my credit score and gave a false impression that I abandoned financial obligations, which is not the case. This inaccurate reporting is hurting my financial reputation and job opportunities where credit checks are required. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$19000.00} Status : Chargeoff Issue : This chargeoff reporting is unverified and inaccurate.

Law : FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information known to be inaccurate. 
Instruction : Verify or remove this chargeoff account immediately. 
Story : This large account being listed as a chargeoff is devastating. I never received proper billing statements showing this status. Having a {$19000.00} chargeoff listed makes it appear that I am financially irresponsible when in fact the information is incomplete and unproven. This is severely impacting my ability to finance housing and transportation. 

Inquiry XXXX XXXX XX/XX/XXXX Issue : Inquiry unauthorized. 
Law : FCRA 604 requires consumer consent.

Instruction : Delete. 
Story : I never gave authorization. This inquiry creates false activity on my report. 

CFPB, I request that you intervene and hold the credit bureaus and data furnishers accountable for these violations. These false addresses, accounts, and inquiries are clear evidence of inaccurate and harmful reporting practices. I demand deletion, correction, and enforcement of my rights under the FCRA and FDCPA. Please take immediate action to ensure compliance and restore the accuracy of my consumer credit profile.

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