Consumer complaint received 2025-09-19 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:
I am submitting this formal complaint under my rights granted by the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and applicable federal and state laws. My credit report contains multiple inaccuracies, including late payments, charge-offs, unauthorized inquiries, and a bankruptcy entry, all of which are either incorrect, unverifiable, or belong to accounts that are not mine. These inaccuracies have caused severe financial harm, reputational damage, and undue stress. I demand immediate investigation and deletion of all erroneous items. 
Disputed Items : XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$5800.00} Date Opened : XX/XX/XXXX Charge Off This charge-off is reported incorrectly. I dispute the validity of this debt and any associated balances. Its inclusion without proper verification misrepresents my creditworthiness and affects my financial opportunities, in direct violation of my legal rights under FCRA. I demand deletion of this account. 
XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$5700.00} Date Opened : XX/XX/XXXX Charge Off Similarly, this account is inaccurately reported and duplicates prior false information. Maintaining duplicate or unverifiable charge-offs is unlawful and exacerbates the damage to my credit. Immediate investigation and removal are required. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$2100.00} Date Opened : XX/XX/XXXX Charge Off This account is also reported incorrectly. I have never owed this debt and have not authorized this account. Reporting agencies are legally obligated to verify debts before including them in a consumers file. Its continued presence violates FCRA Sections 609, 611, and 623 and subjects me to ongoing financial harm and stress. I demand permanent removal. 
XXXX XXXX XXXX XXXX High Balance : {$360.00} Date Opened : XX/XX/XXXX Late Payment This late payment is incorrectly reported and does not reflect my payment history. Reporting false late payments harms my credit score, misrepresents my financial behavior, and may lead to denial of loans or higher interest rates. By law, under FCRA Sections 609 and 611, all negative information must be verified before reporting. The continued presence of this inaccurate information violates my rights and subjects me to potential financial and reputational harm. I demand immediate deletion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$560.00} Date Opened : XX/XX/XXXX Late Payment This account has been inaccurately reported as late. I have always maintained proper payment history. Falsely reporting late payments is a direct violation of FCRA Sections 609 and 611 and damages my creditworthiness, causing tangible financial harm including inability to obtain favorable credit terms. Immediate removal is required. 
XXXX XXXXXXXX XXXX XXXX High Balance : {$290.00} Date Opened : XX/XX/XXXX Charge Off This charge-off is invalid and has been erroneously attributed to me. It significantly damages my credit profile, affects my ability to secure loans, and creates undue stress. Under FCRA Section 611, unverifiable charge-offs must be removed. Continued reporting constitutes a violation of federal law and may lead to legal liability for the credit bureau. I demand permanent deletion. 
XXXX XXXXXXXX XXXX XXXX High Balance : {$20000.00} Date Opened : XX/XX/XXXX Late Payment The reported late payment is inaccurate. Its continued presence misrepresents my financial responsibility and has led to decreased creditworthiness, higher insurance rates, and lost financial opportunities. Under FCRA Sections 609 and 611, I am entitled to dispute inaccurate information and demand its removal. Immediate correction is required. 
XXXX XXXX XXXX Reference # XXXX XXXX XXXX XXXX  XXXX Bankruptcy This bankruptcy entry is being misreported or inaccurately reflected. Errors in legal proceedings reporting are a violation of FCRA and may affect future credit applications, employment, and housing opportunities. I demand immediate verification and correction, including removal of any inaccurate or unverifiable details. 
XXXX XXXX XX/XX/XXXX Inquiry XXXX  XX/XX/XXXX Inquiry These inquiries are unauthorized or inaccurately reported. Unauthorized inquiries are a violation of FCRA Section 604 and negatively impact my credit score. They may have been conducted without my consent, which constitutes a legal violation. I demand immediate removal of all unverifiable or unauthorized inquiries. 
I request that all disputed items be thoroughly investigated and immediately removed or corrected. I further demand written confirmation of the actions taken, including a revised credit report reflecting only accurate, lawful, and verifiable information. Failure to comply within the statutory 30-day period may result in additional legal action under the FCRA, FDCPA, and other applicable consumer protection statutes.

Thank you for your immediate attention and resolution of this matter.

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