Consumer complaint received 2025-08-26 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:
To Whom It May Concern, I am formally disputing the inaccurate and harmful information that has been reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., consumer reporting agencies and furnishers of information are legally obligated to ensure maximum possible accuracy of the information they report. Additionally, the Fair Debt Collection Practices Act ( FDCPA ) prohibits the use of false, deceptive, or misleading representations. The following items must be investigated, verified, and removed immediately as they are being reported in violation of federal law and are causing me severe harm financially and personally. 
XXXX XXXX, High Balance {$12000.00}, Date Opened : XX/XX/XXXX Issue : Late Payment. Law : FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to provide accurate information and prohibits reporting information they know or should know is inaccurate. Story : This late payment is reported without valid verification, and it has destroyed my payment history, which is the largest factor in determining creditworthiness. This false entry has led to repeated denials for personal loans, auto financing, and even credit cards with reasonable terms. Instead of being offered fair rates, I have been forced into high-interest products or completely rejected. This has cost me thousands of dollars in lost opportunities. On a personal level, the XXXX  and humiliation of being portrayed as someone who does not pay their debts is overwhelming. I have had to explain to family members, employers, and financial institutions that this reporting is false, which creates embarrassment and anxiety every time I apply for anything that requires a credit check. This damage to my reputation is unfair, unlawful, and devastating. 
XXXX XXXX, High Balance {$8500.00}, Date Opened : XX/XX/XXXX Issue : Late Payment. Law : Same as above, FCRA 623 requires accuracy and prohibits false reporting. Story : This false late payment has affected me in many ways. First, my credit score dropped significantly, which directly caused me to lose out on refinancing opportunities that would have saved me money. Second, this inaccurate reporting has made it look like I can not handle my financial obligations, even though there is no proper proof of this delinquency. Because of this, I was denied credit lines that I needed for emergency situations, creating real hardship. The emotional toll is also seriousevery time I see this on my credit report, I feel helpless, XXXX, and angry that false information can have such power over my financial life. I have worked hard to maintain responsibility, and yet this false entry paints me as financially irresponsible, which has damaged my reputation, peace of mind, and stability. 
XXXX XXXX XXXXXXXX, High Balance {$490.00}, Date Opened : XX/XX/XXXX Issue : Collection. Law : FDCPA 807 prohibits any debt collector from using false representation of the character, amount, or legal status of any debt. FCRA 609 also requires accurate reporting and the right of the consumer to demand proof. Story : This collection account is inaccurate and unverifiable. No valid proof has been provided that I owe this debt, yet it is being reported and damaging my reputation. Because of this false collection, I have been denied credit opportunities, treated unfairly by lenders, and subjected to higher interest rates. Beyond the financial harm, the XXXX XXXX is unbearable. Being accused of owing a debt that is not mine makes me feel like a criminal, when in fact I have done nothing wrong. It damages my dignity, creates XXXX  every time I check my credit report, and has led to sleepless nights worrying about how this will impact my family and future. 
I demand the immediate deletion of the above accounts, addresses, and inquiries. Under FCRA 611, you are required to conduct a proper reinvestigation and delete unverifiable, inaccurate, or incomplete information. Under FCRA 616 and 617, continued reporting of inaccurate information exposes you to liability for damages. Under FDCPA 813, debt collectors who violate the law are also liable for damages. Failure to comply will result in me filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering legal action to protect my rights.

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