Consumer complaint received 2025-10-09 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 CFPB regarding multiple inaccuracies and reporting violations on my consumer credit file that are negatively affecting my credit profile, rights, and overall financial reputation. Despite multiple disputes and reinvestigation requests, the credit bureaus and furnishers have failed to correct or verify the accuracy of the information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and Fair Debt Collection Practices Act ( FDCPA ). I am seeking immediate investigation and corrective action by the CFPB to ensure compliance with federal laws and to hold the responsible parties accountable for negligent reporting and failure to conduct proper verification of disputed items. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$0.00} This account is inaccurately reported with late payment notations despite a {$0.00} balance and no active delinquency. Under FCRA Section 611 ( a ) ( 1 ) ( A ), the bureau must conduct a reasonable reinvestigation when notified of disputed information. Reporting late payments without factual basis constitutes a violation of Section 607 ( b ) and the Fair Credit Billing Act. Continuing to report a XXXX-balance account as delinquent causes willful injury to my creditworthiness and misleads potential lenders, violating the principle of maximum possible accuracy. I demand deletion or full verification documentation under Section 611 ( a ) ( 2 ). The FCRA makes it clear that once an account is closed or paid, no new late payments can lawfully be added or maintained. The reporting of a XXXX-balance account as late is deceptive and undermines consumer trust. This action is a violation of Section 623 ( a ) ( 1 ) ( A ) which prohibits furnishers from knowingly reporting inaccurate data. The data furnished about this account damages my credit utilization ratio and impacts my score unfairly. The bureau must provide the method of verification and identify who verified this inaccurate data under Section 611 ( a ) ( 7 ). Continuing to report this account inaccurately after multiple disputes shows reckless disregard for compliance. Such repeated inaccuracy suggests systemic negligence in reinvestigation procedures. Under Section 602 ( a ) ( 1 ), the purpose of the FCRA is to ensure fair and accurate reporting, which is not being followed here. The false notation of delinquency harms my credibility with financial institutions. It also violates Section 607 ( a ), which mandates the use of fair procedures to assure maximum accuracy. This false reporting should be deleted immediately as it lacks both evidence and permissible purpose. 

INQUIRIES XXXX XXXXXX/XX/XXXX This inquiry was made without my authorization or permissible purpose under FCRA 604 ( a ) ( 2 ). There is no record of any application or consent from me. Unauthorized inquiries reduce my score and represent a serious violation. The credit bureau must confirm permissible purpose documentation from the creditor. If such proof does not exist, the inquiry must be removed immediately. Continuing to display this inquiry after dispute constitutes negligence under FCRA 607 ( b ) and 611 ( a ). I demand deletion to restore compliance and prevent further harm. 

XXXX XXXX XXXX  This inquiry is not authorized by me and violates FCRA 604. I did not initiate any credit application with this company on that date. Reporting unauthorized inquiries lowers my score and misrepresents my activity. The bureau failed to confirm permissible purpose documentation within 30 days. This omission violates 611 ( a ) of the FCRA. Such inaccuracy demonstrates lack of procedural compliance. This record should be deleted immediately to ensure lawful accuracy. 

XXXX XXXXXX/XX/XXXX This inquiry was made without any valid consent or purpose under 604 ( a ). I did not apply for any credit through this entity, nor was I provided any disclosure. Maintaining this inquiry on my file violates FCRA 607 ( b ). The credit bureau must demand evidence of authorization, and if none exists, delete the record immediately. Continued reporting represents reckless disregard for consumer rights. This must be corrected at once. 

XXXX XXXX XXXX  The presence of this inquiry reflects a violation of 604 ( a ) ( 2 ), as I did not authorize any application with this company. It has been reported despite my repeated disputes. This inquiry continues to appear even though it lacks a permissible purpose. The bureau has failed to confirm any signed application or consent. Under 611 ( a ), unverifiable data must be deleted. Continued reporting constitutes procedural noncompliance and must be corrected immediately. 

The repeated presence of unauthorized inquiries, false data, and inaccurate payment information represents an ongoing failure by the furnishers and bureaus to comply with federal law, including FCRA 602, 607, 611, 623, and FDCPA 807 ( 8 ), which prohibits false representation of credit information. These violations have caused reputational harm, emotional distress, and financial injury. I respectfully request that the CFPB conduct a full investigation into these reporting violations and require all parties to provide documented verification or removal of all inaccurate and unauthorized information immediately to restore the integrity of my consumer credit report and ensure compliance with the 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