Consumer complaint received 2025-07-19 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:
This complaint is being filed due to the continuous inaccurate, outdated, and unverifiable information being reported on my credit profile. These errors are severely affecting my ability to obtain housing, credit, employment, and financial stability. I have made numerous attempts to have these items corrected, but the credit bureaus have failed to perform a reasonable investigation as required under federal law. I am now requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene and enforce my rights under the law. I am disputing multiple addresses, accounts with charge-offs, late payments, collections, and unauthorized inquiries. Below is a detailed breakdown of each issue, the applicable law, and supporting information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Issue : This late payment entry is erroneous for a paid/closed account. No payment was due at the time.

Law Violation : FCRA 1681e ( b ), 1681i.

Instruction : Please remove the late payment status as this account had a {$0.00} balance and should not reflect negative history. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Issue : Duplicate and inaccurate negative reporting on the same account.

Law Violation : FCRA 1681i duplicate derogatory info can cause double damage and is misleading.

Instruction : Remove the redundant entry or the duplicate late payment mark from this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$21000.00} Late Payment * * Issue : Late payment information is incorrect. I never received a valid notice of missed payments.

Law Violation : FCRA 1681i any disputed information must be proven with records.

Instruction : Reinvestigate this account. If the creditor can not validate this late payment, delete it from my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Issue : This negative mark is reported on an old, closed account. Its misleading and unfair. 
Law Violation : FCRA 1681c obsolete information should not be reported past 7 years.

Instruction : Please remove this account from my credit report as it exceeds the statute of limitations for negative reporting. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Issue : Duplicate entry for same account with different dates. False and deceptive reporting. 
Law Violation : FCRA 1681e ( b ), 1681s-2.

Instruction : Investigate and delete this duplicate listing. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2600.00} Chargeoff * * Issue : This account is being reported as a charge-off inaccurately, and the balance seems inflated.

Law Violation : FCRA 1681i right to dispute inaccurate, unverifiable data.

Instruction : Unless XXXX can provide complete validation of this debt, remove this item. 
XXXX XXXX on XX/XX/XXXX Issue : This was an unauthorized hard inquiry. I did not apply for credit with XXXX XXXX 
Law Violation : FCRA 1681b ( c ) permissible purpose required for hard inquiries.

Instruction : Delete this inquiry from my file immediately for lack of authorization. 
XXXX XXXX on XX/XX/XXXX Issue : I did not authorize this inquiry and did not submit any application. 
Law Violation : FCRA 1681b inquiry without permissible purpose is a violation.

Instruction : Remove this unauthorized inquiry from my credit report. 
XXXX XXXX on XX/XX/XXXX Issue : I dispute this inquiry, it was done without my knowledge or consent. 
Law Violation : FCRA 1681b ( f ) no inquiry may be made without consumer consent.

Instruction : Remove this inquiry from my report immediately. 
XXXX XXXX on XX/XX/XXXX Issue : This was not authorized by me and I never initiated any application. 
Law Violation : FCRA 1681b ( c ) credit inquiry requires consumer initiation.

Instruction : Please remove this hard pull immediately.

I request the Consumer Financial Protection Bureau to enforce the removal of the disputed addresses, the incorrect and unverifiable account entries, and all unauthorized hard inquiries listed above. The bureaus and data furnishers have failed to provide documentation verifying the accuracy or legitimacy of these entries and have not corrected these items after prior disputes. This
ongoing negligence is violating my consumer rights, damaging my credit score, and affecting my livelihood. I respectfully ask for immediate correction and full compliance with the FCRA, FDCPA, and all related statutes.

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