Consumer complaint received 2025-08-15 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:
To Whom It May Concern, This complaint is being submitted under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and where applicable, the Fair Debt Collection Practices Act ( FDCPA ), to formally demand the Consumer Financial Protection Bureaus intervention regarding multiple inaccurate, incomplete, and unverifiable accounts appearing on my credit reports with all three major consumer reporting agencies ( XXXX, XXXX, and TransUnion ). These accounts contain late payment notations, charge-offs, and derogatory marks that are either the result of reporting errors, misrepresentation of facts, or lack of proper validation and documentation as required by federal law. I have disputed these accounts with the credit bureaus and the furnishers of information, yet the inaccurate reporting persists in violation of FCRA 1681i ( Reinvestigation of Disputed Information ), 1681s-2 ( Responsibilities of Furnishers to Provide Accurate Information ), and 1681e ( b ) ( Requirement for Maximum Possible Accuracy ). My life, financial opportunities, and credibility have been severely affected due to these inaccurate reports, causing emotional distress, denial of credit, and higher interest rates. The persistence of these accounts without proper investigation or validation constitutes willful noncompliance under FCRA 1681n and negligent noncompliance under 1681o. I am requesting the CFPB to investigate and take corrective action to ensure immediate deletion of the following accounts from my credit files : Account : XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Reported Balance : {$1100.00}, Status : Chargeoff * * Issue : The charge-off status and reported balance are inaccurate and not supported by verifiable records.

Law : FCRA 1681e ( b ) ( maximum possible accuracy ) ; 1681i ( a ) ( reinvestigation and deletion of unverifiable data ) ; 1681s-2 ( b ) ( furnishers duty to investigate and correct ). 
Story : My documents reflect that the balance was resolved and that no collectible charge-off remained at the time the furnisher reported this tradeline as charged off with an outstanding balance. Statements show payments credited and a subsequent closure date inconsistent with a continuing balance. I asked the furnisher for a full accounting, including the charge-off ledger and post-charge-off interest/fee calculations, but they did not provide competent records. Without original, itemized validation ( contract, complete payment history, charge-off date and amount, and any post-charge-off adjustments ), the entry is misleading and must be corrected to {$0.00} and an accurate status or deleted. 
Account : XXXX XXXX, Account # XXXXXXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Reported Balance : {$2000.00}, Status : Late Payment * * Issue : Late-payment notations are inaccurate ; the payment history is incomplete and conflicts with my records.

Law : FCRA 1681e ( b ) ; 1681i ( a ) ; 1681s-2 ( a ) ( 1 ) ( A ) ( no reporting of information known to be inaccurate ).

Story : My statements and bank confirmations show payments were made within the contractual grace period. During one cycle, an automated payment posted the next business day due to a processor delay acknowledged by the institution. Per Metro 2 guidance, such activity should not be coded as a 30-day delinquency. Absent a complete, timestamped transaction ledger proving a true delinquency under the contract terms, these derogatory codes are unverifiable and must be removed. 
Account : XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Reported Balance : {$0.00}, Status : Late Payment * * Issue : A zero-balance account is reported with delinquencies, which is misleading and inconsistent with closure/satisfaction.

Law : FCRA 1681e ( b ) ; 1681i ( a ).

Story : This account was closed with a {$0.00} balance after satisfaction. The presence of late codes after the payoff date suggests a back-dated or misapplied reporting cycle or a system migration error. Please obtain and review the payoff confirmation, final statement, and the furnishers Metro 2 fields ( Account Status, Payment History Profile, Date of First Delinquency ). If the furnisher can not produce documentation showing an actual unpaid amount that was due and unpaid beyond the grace period, all derogatory codes must be deleted. 
Account : XXXX, Account # XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Reported Balance : {$0.00}, Status : Late Payment * * Issue : Late-payment reporting is inaccurate for an account that shows a paid/closed {$0.00} balance.

Law : FCRA 1681e ( b ) ; 1681i ( a ) ; 1681s-2 ( b ).

Story : The reported late markers appear after the account reflected {$0.00} and no further periodic obligation. My payment confirmations show on-time performance through closure. If the furnisher claims a delinquency, it must provide the statement showing an amount due, the due date, the grace period, and proof of non-payment. In the absence of such proof, the derogatory codes must be removed. 
Account : XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Reported Balance : {$0.00}, Status : Late Payment * * Issue : Delinquency codes are inconsistent with periods of deferment/forbearance and servicer transfers.

Law : FCRA 1681e ( b ) ; 1681i ( a ) ; 1681s-2 ( b ).

Story : This student loan experienced several administrative statuses ( including deferment/forbearance and a later transfer ). During those periods, no payment was due ; therefore, late codes are not permissible. I request the servicers status history ( deferment/forbearance letters and transfer records ). If the furnisher can not document that a payment was due and unpaid, the late codes must be deleted. 
Account : DEPTEDXXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Reported Balance : {$4000.00}, Status : Late Payment * * Issue : Reported delinquencies overlap with documented relief/status changes, making them inaccurate.

Law : FCRA 1681e ( b ) ; 1681i ( a ).

Story : Payment-due obligations were suspended during portions of this loans life due to approved deferment/forbearance. The payment history on my file does not reconcile with those statuses. Please obtain the full servicing log and status codes. Any late codes recorded for months when no payment was contractually due must be removed. 
Account : XXXX XXXX Account # XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Reported Balance : {$0.00}, Status : Late Payment * * Issue : Zero-balance legacy tradeline shows late codes that appear to stem from data carryover or duplicative reporting.

Law : FCRA 1681e ( b ) ; 1681i ( a ).

Story : This legacy tradeline reflects {$0.00} and should not display recent derogatories. The late codes likely arise from a transfer/mapping error when the loan servicing changed. Unless the furnisher provides contemporaneous statements proving a due and unpaid amount, remove the lates. 
Account : DEPTEDXXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Reported Balance : {$4500.00}, Status : Late Payment * * Issue : Incomplete/incorrect payment history that does not match servicer records and accommodations.

Law : FCRA 1681e ( b ) ; 1681i ( a ) ; 1681s-2 ( b ).

Story : My records show periods of approved status changes ( e.g., deferment/forbearance ) and timely payments thereafter. The derogatory history reported here conflicts with those records. Please verify against the servicers logs ; delete any unverifiable late codes. 
Account : XXXX XXXX Account # XXXX XXXX  *, Date Opened : XX/XX/XXXX, Reported Balance : {$0.00}, Status : Late Payment * * Issue : Derogatory codes remain on a {$0.00} balance tradeline without evidence of a due, unpaid amount.

Law : FCRA 1681e ( b ) ; 1681i ( a ).

Story : This appears to be a duplicate/transfer artifact. Provide the payment ledger and status codes for the disputed months ; remove derogatories if not fully verified. 
Account : XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Reported Balance : {$0.00}, Status : Late Payment * * Issue : Late-payment history is inconsistent with servicer status records.

Law : FCRA 1681e ( b ) ; 1681i ( a ).

Story : The same underlying loan line is being reflected with inconsistent derogatories across multiple tradelines. Absent proof that a payment was due and unpaid ( with statement, due date, and application logs ), these lates must be deleted. 
Account : XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Reported Balance : {$0.00}, Status : Late Payment * * Issue : Potential duplicate reporting and inconsistent derogatory history.

Law : FCRA 1681e ( b ) ; 1681i ( a ).

Story : This appears to duplicate the immediately preceding tradeline, compounding derogatory impact. Please verify whether this is a true separate obligation ; if not, remove the duplicate and any unverifiable derogatory codes. 
Account : XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Reported Balance : {$80.00}, Status : Late Payment * * Issue : The late marker is unsupported and conflicts with my payment confirmations.

Law : FCRA 1681e ( b ) ; 1681i ( a ) ; 1681s-2 ( b ).

Story : A payment posted within the grace period but appears to have been coded as late due to an automated posting delay. I provided proof of bank transmission and XXXX acknowledgement. Unless the furnisher supplies a ledger showing a true 30-day delinquency under the contract, the late code must be removed. 
Account : XXXX XXXX, Account # XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Reported Balance : {$0.00}, Status : Late Payment * * Issue : Inaccurate derogatory reporting post-closure/zero balance.

Law : FCRA 1681e ( b ) ; 1681i ( a ).

Story : The late payment history appears after the account reflected {$0.00}. My statements show on-time payment behavior and an accurate payoff. Provide the contract, final billing, and a full payment ledger ; delete any unverifiable late codes. 
Account : XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Reported Balance : {$0.00}, Status : Late Payment * * Issue : Derogatory history conflicts with periods of deferment/forbearance and transfers.

Law : FCRA 1681e ( b ) ; 1681i ( a ).

Story : This is another instance of legacy/transfer data where lates were coded during months when no obligation was due. If the furnisher can not document a true delinquency with original statements and status records, remove the derogatory history. 
Account : XXXX XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Reported Balance : {$390.00}, Status : Collection * * Issue : The collection is unvalidated and potentially the result of a billing dispute never resolved with the original creditor.

Law : FCRA 1681e ( b ) ; 1681i ( a ) ; FCRA 1681s-2 ( b ) ( furnisher duties ). Although separate from the FCRA dispute process, the FDCPA requires validation upon request ; lack of validation underscores unverifiability here.

Story : I never received competent validation from the collector ( original agreement, itemized accounting, date of default, and chain of assignment ). The amount appears to include fees not authorized by the agreement. Unless the furnisher produces full validation and the original creditor confirms the accuracy of the amount and default date, this collection entry is unverifiable and must be deleted. 
Inquiry : XXXX XXXX, Date : XX/XX/XXXX Issue : Hard inquiry reported without my authorization or a permissible purpose.

Law : FCRA 1681b ( a ) ( permissible purposes ) ; 1681e ( b ) ( accuracy ) ; 1681i ( a ) ( reinvestigation ).

Story : I did not apply for credit or grant written consent for this pull. Please provide the application reference, timestamp, IP/device data ( if online ), or signed authorization. If you can not obtain proof of permissible purpose, remove this inquiry. 
Inquiry : XXXX XXXX, Date : XX/XX/XXXX Issue : Unauthorized hard inquiry. 
Law : FCRA 1681b ( a ) ; 1681i ( a ). 
Story : No credit application or account review that would justify a hard inquiry occurred on or around this date. Delete if the furnisher can not provide proof of consent. 
Inquiry : XXXX XXXX, Date : XX/XX/XXXX Issue : No permissible purpose for a hard inquiry appears.

Law : FCRA 1681b ( a ) ; 1681i ( a ).

Story : I have no relationship or application with this entity. Provide the underlying authorization or remove. 
Inquiry : XXXX XXXX, Date : XX/XX/XXXX Issue : Unauthorized inquiry adversely affecting my score.

Law : FCRA 1681b ( a ) ; 1681i ( a ). 
Story : I did not seek credit from XXXX Bank. If the bank can not show a signed application or equivalent authorization, delete this inquiry. 
Inquiry : XXXX, Date : XX/XX/XXXX Issue : Hard inquiry lacking demonstrated consent.

Law : FCRA 1681b ( a ) ; 1681i ( a ).

Story : I did not initiate a credit request with XXXX. Remove absent documentary proof of permissible purpose. 
Inquiry : XXXX XXXX, Date : XX/XX/XXXX Issue : No authorization for a hard inquiry was provided.

Law : FCRA 1681b ( a ) ; 1681i ( a ).

Story : I have no application or established relationship that would justify a hard pull. Please supply the signed application or electronic consent record ; otherwise, delete. 
These accounts have been repeatedly disputed with the credit bureaus and furnishers, yet they remain without proper corrections, which is a direct violation of my consumer rights under the FCRA and FDCPA. The continued inaccurate reporting is causing ongoing harm including denials of credit, increased interest rates, emotional distress, and reputational damage. I respectfully request the CFPB to take immediate enforcement action to require the deletion of these accounts from my credit reports, compel the furnishers to cease reporting unverifiable and inaccurate information, and hold the involved parties accountable for these violations.

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