Consumer complaint received 2025-11-12 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: WA

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau regarding multiple inaccuracies being reported on my credit file that are in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other federal consumer protection laws. Despite my repeated disputes with the credit bureaus and the furnishers, these items continue to appear inaccurately, which has caused severe damage to my credit reputation, emotional distress, and financial harm. I am demanding a full investigation into these accounts, as the information being reported does not meet the accuracy, completeness, and verification requirements mandated by law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$260.00} Late Payment XXXX XXXX  This account is reporting late payment activity that is not accurate or properly validated. Under FCRA 611 ( A ) ( 1 ) ( A ), I have the right to dispute any incomplete or unverifiable data. The creditor has failed to provide documented proof of any legitimate delinquency notice, billing statement, or signed agreement validating such late payment. Reporting unverifiable payment data is a direct violation of FCRA 623 ( A ) ( 1 ) ( A ) and 607 ( B ). Continued verification without investigation shows reckless disregard for consumer protection laws. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$510.00} Late Payment XXXX XXXX  This account reflects false delinquency dates inconsistent with factual payment history. The reporting furnisher has not provided documentation supporting the accuracy of this alleged late payment. Failure to validate before verification violates FCRA 611 ( B ) and the duty to maintain accuracy under 623 ( A ) ( 1 ). You must delete this account if the furnisher can not verify with authentic billing records. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Late Payment XXXX XXXX The late payment reported is unsubstantiated and lacks legal verification. FCRA 607 ( B ) mandates consumer reporting agencies to assure maximum possible accuracy, which has not been observed. Reporting unverifiable derogatory information after dispute is an intentional violation under 616 and 617, entitling the consumer to damages for willful noncompliance. 

XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment XXXX XXXX  This account is inaccurately showing late payment despite being fully paid and closed. Continued reporting of false derogatory status on a zero-balance account violates 607 ( B ) and 611 ( A ) ( 5 ) ( A ). This act misrepresents my payment history, damages creditworthiness, and demonstrates negligent reporting practices under 623 ( A ) ( 2 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$400.00} Late Payment XXXX XXXX This alleged late payment entry is unverifiable and lacks any supporting creditor documentation. Furnishers and bureaus must ensure factual data under 623 ( A ) ( 1 ) ( A ), yet this has not been observed. Verifying unverified data violates the accuracy standards under 607 ( B ). Immediate deletion is required under 611 ( A ) ( 5 ) ( A ). 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1800.00} Late Payment XXXX XXXX This creditor has failed to validate any legitimate late payment notice or billing cycle proof. Under 611 ( A ) ( 1 ) ( A ) and 623 ( A ) ( 1 ), any unverifiable negative record must be deleted. The failure to respond properly after multiple disputes also constitutes willful noncompliance under 616. 

XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$6800.00} Late Payment XXXX XXXX This accounts reported delinquency is false and unsupported by any valid records. Reporting unverifiable derogatory data after prior disputes constitutes continued negligence under 607 ( B ). As per 611 ( A ) ( 1 ) ( A ), I request full deletion unless verified with authentic records from the original creditor. 

XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$28000.00} Late Payment XXXX XXXX  This listing includes inconsistent late payment data that contradicts the accounts true payment history. FCRA 607 ( B ) obligates your agency to ensure accuracy, yet this false entry remains. You must immediately reinvestigate and delete under 611 ( A ) ( 5 ) ( A ) if accuracy can not be confirmed. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$22000.00} Late Payment XXXX XXXX  Despite prior disputes, this account continues to report unverifiable delinquencies. Re-verifying disputed data without documentation is a clear violation of 611 ( A ) ( 1 ) ( A ) and 623 ( B ) ( 1 ) ( A ). Continued noncompliance subjects your agency to penalties under 616 and 617. 

XXXX XX/XX/XXXX Inquiry This hard inquiry was conducted without permissible purpose under 604 ( A ) ( 3 ). I never authorized nor consented to this access, and under 615 ( B ) ( 1 ), I have the right to dispute any inquiry made without my knowledge. Immediate removal is required under 611 ( A ) ( 1 ) ( A ) as the creditor failed to provide authorization proof. 

The continued reporting of unverifiable and inaccurate information is a direct violation of my consumer rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). I am demanding immediate correction or deletion of these erroneous entries and removal of any unauthorized inquiries. I respectfully request a full investigation by the CFPB into these violations to restore the integrity of my consumer credit file and protect my legal 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