Consumer complaint received 2025-09-06 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: IL

Complaint narrative:
To Whom It May Concern, This is my formal complaint under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ), and all applicable consumer protection laws. I am disputing the following accounts as they are being reported inaccurately, incompletely, and unlawfully on my credit file XXXXXXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1600.00} Date Opened : XX/XX/XXXX Late Payment This account is reporting late payments that are inaccurate and misleading. I never received proper notices of delinquency, and no valid documentation has been provided to prove these alleged lates. Reporting inaccurate payment history is a direct violation of FCRA 1681e ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy. Continuing to report this damages my credibility with lenders, employers, and insurance providers. I demand deletion unless verified with original creditor-signed records, not system-generated data. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Late Payment This duplicate account with the same creditor shows late payments and different balances, creating confusion and double jeopardy on my file. This violates FCRA 1681i ( a ), which requires reinvestigation of disputed information. A single creditor can not report two conflicting versions of the same account without proper validation. These inconsistencies lower my credit score unfairly and do not reflect my true payment history. I request immediate removal unless proven with original, signed agreements and payment history records. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$430.00} Date Opened : XX/XX/XXXX Late Payment This account shows late payments that are inaccurate. I made timely payments, and any alleged delinquency was due to internal posting delays by the creditor. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or should know is inaccurate. By reporting me late without evidence, XXXX XXXX has violated its duty. The harm caused includes credit denials and higher interest rates. I request deletion or full documentation including billing statements, proof of due dates, and my actual payment dates. 
XXXX XXXXXXXX XXXX XXXX  High Balance : {$1900.00} Date Opened : XX/XX/XXXX Charge Off This account is reporting as a charge-off, which is inaccurate and misleading. XXXX never provided me with proper validation of debt as required by FDCPA 809 ( a ). I was not given the right to dispute before negative reporting occurred. A charge-off on my report is highly damaging and constitutes an unfair practice. Reporting an account as charged off without first validating debt is unlawful. I request deletion unless full contractual proof, billing statements, and signed agreements are provided.

These accounts are inaccurate and unverifiable The reporting violates FCRA 1681e ( b ) for failing to ensure accuracy, FCRA 1681i ( a ) for failing to reinvestigate disputed items, and FDCPA 809 for failure to validate debt I have suffered financial harm emotional distress and damage to my reputation I am requesting immediate deletion of these accounts unless full documentation and lawful validation is provided If this matter is not corrected I will escalate with the CFPB, FTC, and seek remedies under FCRA 616 and 617 for willful and negligent noncompliance

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