Consumer complaint received 2025-09-13 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 complaint is submitted to the CFPB to address multiple violations of my rights under the FCRA, including inaccurate reporting of charge-off accounts and an incorrect address. Sections 602, 607, 609, 611, 623, 1681i, 1681e ( b ), and 1681s-2 require reporting agencies and creditors to ensure that all information is fully verified and accurate. The presence of these false items has caused financial loss, emotional distress, and disruption of my creditworthiness. I demand immediate investigation, verification, and corrective action by the CFPB. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$440.00} Date Opened : XX/XX/XXXX This account is reporting late payments that are inaccurate, unverifiable, and harmful to my creditworthiness. I have repeatedly disputed these late marks, yet no proper validation has been provided to confirm their accuracy. Under FCRA 609 and 611, I am entitled to the method of verification, but I have not received any documentation showing a signed agreement or detailed payment history proving these alleged delinquencies. Reporting inaccurate late payments lowers my credit score unfairly, impacting my ability to qualify for affordable housing, auto loans, and other credit opportunities. If you can not provide admissible evidence proving the accuracy of this reporting, you are legally obligated to delete these late payment remarks. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} This account is being reported as a charge-off even though the balance is showing {$0.00}, which is misleading and creates a false negative impression for any lender reviewing my report. Under FCRA 607 ( b ), you must ensure the completeness and accuracy of information you report. An account with {$0.00} balance should not continue to be reported with a derogatory status that suggests I still owe money. This is inconsistent, unverifiable, and damaging to my credit standing. The charge-off notation must be removed immediately or the account updated to reflect a true paid or closed status. Continued misreporting without proper documentation of debt ownership or verification constitutes willful noncompliance. 

INQUIRIES XXXX XXXX XXXXXX/XX/XXXX This is another unauthorized inquiry that was not initiated by me and for which no permissible purpose exists under FCRA 604 ( a ) ( 3 ). The appearance of multiple back-to-back inquiries raises serious concern about the misuse of my personal data. I insist on the deletion of this inquiry from my file and expect documentation of who requested this pull, under what authority, and with what proof of my consent.

I ask the CFPB to oversee the full reinvestigation and correction of all disputed items on my credit report, including the wrong address and all fraudulent or misreported accounts. The harm caused by these inaccuracies is significant, affecting my credit, finances, and personal well-being. I request written verification that all corrections have been implemented and enforcement of accountability where necessary.

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