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: CA

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau regarding multiple inaccuracies, unauthorized items, and reporting violations on my consumer credit report. These items are causing significant harm to my creditworthiness, financial opportunities, and overall reputation. I am requesting a thorough investigation, deletion of all inaccurate data, and immediate compliance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable laws. The credit bureaus and furnishers are legally obligated to ensure the maximum possible accuracy of the information they report, yet these items remain despite prior disputes and clear evidence of inaccuracy, non-verification, or improper reporting. Below I am listing each disputed item with specific legal violations and supporting explanation for removal. 
ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law : FCRA 602 ( A ), 611, 609 Right to accurate and verifiable information Issue : Reported late payment is inaccurate and unverifiable Story : This account has a {$0.00} balance and was fully paid ; no verifiable proof has been provided showing any valid late payment. Continued reporting without verification violates my rights under the FCRA. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law : FCRA 602 ( A ), 611, 609 Issue : Late payment reporting is inaccurate Story : Account shows {$0.00} owed ; late payment is not supported by original creditor records. No documentation has been provided proving this derogatory mark is valid. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$19000.00} Late Payment * * Law : FCRA 602 ( A ), 611, 609 Issue : Late payment reporting is inaccurate and damaging Story : Payment history has been misreported ; no complete payment record has been provided to justify late reporting. Without proper verification, this entry is inaccurate. 

ACCOUNT XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$370.00} Collection * * Law : FCRA 602 ( A ), 611, FDCPA 807 ( 8 ) Issue : Collection reporting is inaccurate Story : The alleged debt is unverified ; no original agreement, billing statements, or payment history has been provided. This violates verification requirements under the FCRA and FDCPA. 

ACCOUNT XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law : FCRA 602 ( A ), 611, 609 Issue : Late payment entry is inaccurate Story : Account is reported with {$0.00} balance ; no substantiated documentation of late payment has been provided by the furnisher. 

I am demanding the immediate deletion of all inaccurate addresses, unverifiable accounts, and unauthorized inquiries listed above. The credit bureaus and furnishers have failed to provide proper documentation despite their legal obligations under FCRA and FDCPA. If they can not produce original signed contracts, complete payment records, or proof of permissible purpose for each inquiry, these items must be deleted. These inaccuracies are causing me severe harm, including denial of credit, higher interest rates, and reputational damage. I request the CFPB to take enforcement action to ensure compliance and hold the reporting agencies and furnishers accountable.

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