Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau regarding multiple errors and violations in my credit report maintained by TransUnion. These include inaccurate reporting of late payments, charge-offs, collections, repossessions, and unauthorized or unverifiable inquiries. The accounts listed below violate various sections of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and I am requesting immediate investigation and correction or deletion.

1. Late Payments- XXXX XXXX XXXX : Reporting one or more late payments that are inaccurate or unverifiable. 
- XXXX XXXX XXXX : Reporting one or more late payments that are inaccurate or unverifiable. 
- XXXX ( 4 accounts ) : Reporting one or more late payments that are inaccurate or unverifiable. 
- XXXX XXXX : Reporting one or more late payments that are inaccurate or unverifiable. 
- XXXX XXXX  : Reporting one or more late payments that are inaccurate or unverifiable. 
- XXXX XXXX : Reporting one or more late payments that are inaccurate or unverifiable. 
- XXXX XXXX : Reporting one or more late payments that are inaccurate or unverifiable. 
Violations : 15 USC 1666b, 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681s-2 ( a ) ( 1 ) ( F ) 2. Charge-Off Accounts - XXXX XXXX XXXX Reported as charge-off with questionable accuracy, balance disputes, or no 1099-C provided. 
- XXXX XXXX  : Reported as charge-off with questionable accuracy, balance disputes, or no 1099-C provided. 
- XXXX XXXX : Reported as charge-off with questionable accuracy, balance disputes, or no 1099-C provided. 
XXXX XXXX XXXX : Reported as charge-off with questionable accuracy, balance disputes, or no 1099-C provided. 
- XXXX : Reported as charge-off with questionable accuracy, balance disputes, or no 1099-C provided. 
XXXX XXXX : Reported as charge-off with questionable accuracy, balance disputes, or no 1099-C provided. 
Violations : 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1692g 3. Collections- XXXX ( XXXX XXXX XXXX  ) : Collections not validated, inaccurate balances, or unauthorized collection attempts. 
- XXXX XXXX XXXX ( XXXX ) : Collections not validated, inaccurate balances, or unauthorized collection attempts. 
- XXXX XXXX ( XXXX XXXX XXXX  ) : Collections not validated, inaccurate balances, or unauthorized collection attempts. 
- XXXX XXXX ( XXXX XXXX XXXX  ) : Collections not validated, inaccurate balances, or unauthorized collection attempts. 
Violations : 15 USC 1692g, 15 USC 1681e ( b ), 15 USC 1692e, XXXXXXXX XXXX XXXX XXXX  4. Repossession Reporting - XXXX XXXX : Charge-off with repossession status and inconsistent reporting across bureaus. 
Violations : 15 USC 1681e ( b ), 15 USC 1681b ( a ) ( 2 ), XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) 5. Hard Inquiries - XXXX ( XXXX ) XX/XX/XXXX : No resulting credit or open account ; appears unauthorized or unverifiable. 
- XXXX XXXX XX/XX/XXXX : No resulting credit or open account ; appears unauthorized or unverifiable. 
- XXXX XXXX XXXX XX/XX/XXXX : No resulting credit or open account ; appears unauthorized or unverifiable. 
- XXXX XXXX XX/XX/XXXX : No resulting credit or open account ; appears unauthorized or unverifiable. 
- XXXX XXXX XX/XX/XXXX : No resulting credit or open account ; appears unauthorized or unverifiable. 
- XXXX XX/XX/XXXX : No resulting credit or open account ; appears unauthorized or unverifiable. 
- XXXX XX/XX/XXXX : No resulting credit or open account ; appears unauthorized or unverifiable. 
Violations : 15 USC 1681b ( a ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a )

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