Consumer complaint received 2025-08-05 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: CA

Complaint narrative:
This is a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, unauthorized, and unverifiable entries appearing on my credit report. I am exercising my rights under the FCRA and related consumer protection laws to report serious violations that have caused damage to my credit profile, my financial opportunities, and my personal life. I have already attempted to resolve these matters directly with the credit reporting agencies, but they failed to conduct proper investigations or provide evidence. I am now escalating this to the CFPB for enforcement and action. Below are the specific accounts and inquiries in question. 
ACCOUNT : XXXX XXXXXXXX XXXX XXXX  High Balance : {$530.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Law : FCRA Section 611 ( 15 U.S.C. 1681i ) Right to dispute inaccurate information and request reinvestigation Issue : Charge Off still reporting inaccurately after first round of dispute verification method not provided Story : I never received proper documentation validating this alleged debt and I have reason to believe this account may be reporting erroneous or outdated information this account was disputed previously yet it remains without updated or verified evidence from the furnisher please conduct a reinvestigation and remove if verifiable proof can not be produced under FCRA guidelines ACCOUNT : XXXX XXXX  XXXX High Balance : {$19000.00} Date Opened : XX/XX/XXXX XXXX XXXX Law : FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Duty to maintain maximum possible accuracy Issue : Repeated late payments inaccurately reported and not updated despite prior dispute Story : I believe this account is reporting late payments in error I have documentation that contradicts the dates of reported delinquency yet no corrections have been made after my first round of disputes the continued reporting of these late payments is harming my credit profile and violates my rights under the FCRA to maintain an accurate report I request full reinvestigation with supporting documents or immediate deletion INQUIRY : XXXX XX/XX/XXXX Law : FCRA Section 604 ( a ) ( 3 ) Inquiry must be based on a legitimate transaction Issue : Duplicate unauthorized inquiry Story : This is a duplicate inquiry from XXXX reported on the same date as listed earlier and again I reaffirm that I did not authorize or initiate any application or engagement with XXXX  this appears to be either an error or a misuse of my information and must be removed immediately if no consent can be proven I am respectfully requesting the Consumer Financial Protection Bureau ( CFPB ) to launch a full investigation into these inaccurate accounts and unauthorized inquiries. If the furnishers or credit bureaus can not provide clear and complete documentation validating these entries, they must be permanently removed from my credit report. I also ask that CFPB ensure these data furnishers and credit bureaus are held accountable for violating consumer protection laws. This complaint is submitted in good faith to seek justice, transparency, and the restoration of my financial reputation.

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