Consumer complaint received 2025-09-24 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: NJ

Complaint narrative:
I am filing this complaint against the following creditors, debt collectors, and furnishers for inaccurate, misleading, and unverifiable reporting on my credit file. These items are damaging my creditworthiness, causing financial harm, and violating my consumer protection rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX XXXX XXXX Open Date XXXX XXXX, XXXX High Credit {$500.00} Late Payment This account is reporting late payments which I strongly dispute because I never received any legally required notices of delinquency under 15 U.S.C. 1681s-2 ( a ) Creditors are obligated to ensure maximum possible accuracy under FCRA 602 and 607 but XXXX XXXX failed to properly verify payment history Additionally the late payment reporting has created severe barriers for me in obtaining credit housing and employment which demonstrates direct and ongoing harm I am requesting immediate correction or deletion of this account if proper documentation can not be produced under FCRA 609 and 611 XXXX  XXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment This account is inaccurately showing late payments even though the high credit line is reported as {$0.00} which proves that the reporting is contradictory and misleading Under FCRA 604 and 607 the information furnished must be accurate consistent and not misleading Reporting a balance of {$0.00} but still indicating late payments is an intentional misrepresentation and negligent reporting practice I have suffered financial setbacks including denials for rental applications and higher insurance premiums because of this false late payment notation I demand deletion of this inaccurate account unless XXXX can provide verifiable evidence of payments due and delinquency notices XXXX XXXX Date Opened XX/XX/XXXX Unpaid Balance {$1100.00} Collection This collection account is inaccurate and unverifiable under FDCPA 809 which requires debt collectors to provide validation of the debt within XXXX days of initial communication No such validation was ever provided to me yet the account continues to be reported in violation of the law The amount listed is arbitrary and unsubstantiated causing direct injury to me in the form of denial of auto financing and higher deposit requirements for utilities and housing I demand deletion of this account for noncompliance with both FDCPA and FCRA requirements XXXX XXXXXX/XX/XXXX Inquiries This inquiry is being reported without my authorization which is a violation of FCRA 604 permissible purposes for consumer reports I never applied for nor authorized any transaction with WebBank/Avan and therefore the inquiry constitutes an impermissible access of my credit file This has caused unwarranted score reductions and reputational harm I demand removal of this unauthorized inquiry Summary of Harm These inaccurate and unverifiable accounts have caused me repeated denials for credit, higher insurance premiums, difficulty securing housing, and emotional distress. The furnishers and credit reporting agencies are failing to comply with federal law. 
Requested Action I request that the CFPB : Investigate each account thoroughly.

Order the removal of any account or inquiry that can not be fully verified with legal documentation. 
Hold the furnishers and credit bureaus accountable for violations under FCRA and FDCPA. 
I reserve my rights under FCRA 616 and 617 to pursue civil damages if these issues are not corrected.

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 explanation