Consumer complaint received 2025-08-06 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: SC

Complaint narrative:
Dear TransUnion Dispute Department, I hope this letter finds you well. I am writing to formally request a second-round reinvestigation regarding inaccurate and unverifiable information that continues to appear on my TransUnion credit report. Despite a previous attempt to resolve these errors, the information remains unchanged, which is both disappointing and concerning.

As per my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681i, I am entitled to a thorough and reasonable reinvestigation of any item I dispute. I have identified specific accounts below that are being reported inaccurately and are causing undue harm to my creditworthiness. I am providing full details, supporting context, and legal grounds for requesting immediate correction or deletion. 

XXXX. Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Reporting a charge-off with a {$0.00} balance this is misleading and damaging. 
Law : FCRA 607 ( b ) Maximum accuracy ; FCRA 1681i Duty to reinvestigate.

Story : This account is being reported as a charge-off despite reflecting a {$0.00} balance, which clearly indicates that the debt has been settled or resolved. Reporting a charge-off with no balance is misleading, especially when no delinquent balance exists. This creates the false impression of unpaid debt, harming my creditworthiness. 

According to FCRA 607 ( b ), credit reporting agencies must ensure that information is reported with maximum possible accuracy. Retaining a " charge-off '' status with {$0.00} balance, while legally allowed, fails the accuracy and fairness test of the FCRA. Please provide complete verification of this entry including the original creditors payment history and the closing statement or else delete the account immediately. 

XXXX. Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Unverified charge-off for {$130.00} with no supporting documents.

Law : FCRA 611 & 1681i Right to dispute and receive validation.

Story : This charge-off account with XXXX is being reported without any validation, and I did not receive any notice or documentation of charge-off procedures or collection attempts. I dispute the validity of the charge entirely.

I am exercising my rights under FCRA 1681i, which entitles me to a reinvestigation, and under FCRA 611, which entitles me to receive all documentation used to verify this account. If you can not provide written proof and communication from the original creditor validating this debt and its charged-off status, it must be removed from my credit report. 

XXXX. Account : XXXX XXXX XXXX XXXX XXXX Issue : * * Late payment reporting despite closed and settled account. 
Law : * * FCRA 607 ( b ) ; FCRA 1681s-2 Inaccurate and outdated information.

Story : * * This account was closed in good standing and the balance was resolved. However, the account continues to show late payments post-closure, which is inaccurate. According to FCRA 1681s-2, furnishers of information must not report data they know or reasonably believe to be inaccurate.

Furthermore, I was not provided proper notification of late payments, nor were they disputed through any form of billing communication. These alleged late payments were never validated, and therefore, I request that all late payments listed under this account be removed or fully verified with documentation. Failure to do so will result in a complaint to the CFPB. 

XXXX. Account XXXX XXXX XXXX Issue : Reported late payments despite temporary hardship and no supporting validation.

Law : FCRA 611 ; Equal Credit Opportunity Act ( ECOA ) Reasonable accommodation.

Story : This account began reporting late payments during a time I was undergoing severe financial hardship. I reached out to the creditor regarding hardship assistance, but I never received acknowledgment or structured support. Despite this, the account now reflects several negative marks.

Under the ECOA, lenders are required to provide equal access to assistance programs and must not unfairly penalize consumers during valid financial hardship. Additionally, under FCRA 611, you are required to provide documentation supporting the claim of late payments. Please reinvestigate this entry, and unless verified in full with original billing history and communication, I request this information be removed from my credit file. 

XXXX. Inquiry : XXXX XXXX  Dated XX/XX/year> Issue : Unauthorized or unrecognized hard inquiry Law : FCRA 604 ( a ) ( 3 ) Permissible purpose Story : I do not recall authorizing Sensible Auto to pull my credit report, and I did not initiate any transaction that would warrant this inquiry. According to FCRA 604 ( a ) ( 3 ), a hard inquiry can only occur if a consumer has initiated a transaction or given written permission.

This inquiry is unauthorized and must be removed unless you can provide proof of consent, including my signature or digitally signed authorization. Failing to provide this constitutes a violation of federal law, and I request its deletion immediately. 

In Summary : Each of the accounts and inquiries listed above are either inaccurate, unverifiable, or misleading. I demand a thorough reinvestigation as outlined in FCRA 1681i and written verification from the furnishers of this data. If the information can not be verified in full, it must be deleted from my credit report immediately. 

Please complete this reinvestigation within 30 days of receipt of this letter and provide me with a written response. I appreciate your attention to this matter and expect fair treatment in accordance with federal law.

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