Consumer complaint received 2025-07-29 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 complaint to the Consumer Financial Protection Bureau ( CFPB ) because multiple inaccurate and unverifiable addresses, accounts, and inquiries are being reported on my credit profile by the credit bureaus. These errors are seriously harming my creditworthiness and preventing me from obtaining basic financial services. I have previously disputed these items with the credit reporting agencies, but they have failed to properly investigate or correct the inaccurate data. I am requesting CFPBs intervention to ensure a proper reinvestigation, verification, and deletion of these items if the data furnishers can not prove their accuracy with original source documentation. 
XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge-Off Law Issue : Per FCRA Section 607 ( b ), furnishers must ensure maximum possible accuracy. Reporting a charge-off with a {$0.00} balance may be a sign of incomplete, outdated, or misleading data, violating Section 611 when not fully investigated.

Story : This account is inaccurately listed as a charge-off despite reflecting a {$0.00} balance. If this account was resolved, it should not continue to negatively affect my report. Please verify the completeness and accuracy or delete this item. 

XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} Charge-Off Law Issue : According to FCRA Section 611 and 607 ( b ), furnishers must report only verifiable and accurate information. This account may be improperly recorded or duplicated, constituting a harmful misrepresentation. 
Story : I do not recognize this account and dispute its validity. I request that you contact the furnisher to confirm this debt with full documentation. If it can not be verified, it must be removed from my credit file. 

XXXX/DOFED Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6200.00} Late Payment Law Issue : Under FCRA Section 611 and 609 ( a ), consumers have the right to challenge inaccurate payment history. Improper late payment reporting must be corrected or removed if not backed by complete records.

Story : I dispute the reported late payments as I was under a deferment or forbearance agreement due to financial hardship during this period. These special statuses should not reflect delinquencies. Kindly verify with XXXX and update accordingly. 

XXXX/DOFED Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3600.00} Late Payment Law Issue : FCRA Section 623 ( a ) ( 1 ) ( A ) requires furnishers to report accurate and truthful data. Any late payment reported in error must be fully substantiated or removed. 
Story : I believe this late payment history is reported in error or without considering qualifying hardship protections. I request validation of these delinquencies or prompt deletion if inaccurate. 

These errors are having a significant negative impact on my ability to access credit, secure housing, and live free of the consequences of inaccurate reporting. The Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) protect consumers like me from this kind of harm. I have exhausted efforts with the credit reporting agencies, and now I request that the CFPB intervene to ensure compliance with federal law. I demand full reinvestigation and either verified validation or permanent deletion of each item listed above. I ask CFPB to hold the credit bureaus and furnishers accountable for noncompliance 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 non-monetary relief