Consumer complaint received 2025-07-31 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 ( CFPB ) due to multiple inaccurate and damaging items being reported by the credit bureaus. Despite previous disputes and reinvestigation requests, these accounts, addresses, and inquiries remain unresolved and unverified. I am requesting that the CFPB take immediate action to investigate, enforce accountability, and ensure deletion and correction of these accounts, as they are either inaccurate, outdated, unverifiable, or the result of misreporting. These errors are causing serious harm to my creditworthiness, financial opportunities, and violate my consumer protection rights under federal law. 
DISPUTED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Type : Charge-Off LAW : FCRA 602 ( B ), 607 ( B ), 611 ( a ), 623 ( b ) ISSUE : This account reflects a charge-off with a XXXX balance and appears unverifiable and inaccurate. 
STORY : I have no contractual agreement or record of this account. The listing of a {$0.00} balance charge-off misrepresents the status of the account and is detrimental to my creditworthiness. This account must be validated with complete documentation or permanently removed from my report. 

DISPUTED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$13000.00} | Type : Charge-Off LAW : FCRA 602 ( A ), 607 ( B ), 611 ( a ), 623 ( b ) ISSUE : This account is being reported inaccurately and without proper validation. 
STORY : I do not recognize this account nor did I authorize or sign any agreement for such a financial obligation. This entry is severely harming my credit and I demand documented verification including signed contracts and payment history. If you can not verify this account, it must be deleted immediately under FCRA regulations. 

DISPUTED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$6200.00} | Type : Late Payment LAW : FCRA 602 ( B ), 607 ( B ), 611 ( a ), 623 ( a ) ( 1 ) ( A ) ISSUE : This account reports late payments that are inconsistent and possibly outdated.

STORY : I was in active deferment or forbearance status during this period due to financial hardship under federal student loan relief options. These late payment notations are misleading and unfair. I am requesting you provide full payment history and federal deferment records, or else remove this reporting from my file. 

DISPUTED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$3600.00} | Type : Late Payment LAW : FCRA 602 ( B ), 607 ( B ), 611 ( a ), 623 ( a ) ( 1 ) ( A ) ISSUE : Reported delinquencies are incorrect and not consistent with federal guidelines.

STORY : As a federally backed student loan, this account was covered under national relief programs during the pandemic period. Any delinquency reporting for this timeframe is erroneous. I am formally requesting full documentation of payment history or immediate deletion of the account if validation fails.

I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to fully investigate each of these items and ensure compliance with federal law. The credit reporting agencies and furnishers have not provided the proper documentation to support continued reporting of these entries. I demand that all unverifiable, inaccurate, outdated, and unauthorized information be permanently removed from my credit reports. These errors are significantly impacting my life, and I expect the CFPB to take immediate action and provide the results of this investigation.

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