Consumer complaint received 2025-08-01 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: NM

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccuracies, unverifiable accounts, unauthorized inquiries, and false addresses appearing on my credit reports. Despite my previous disputes with the credit bureaus, these errors remain unresolved, violating my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting the CFPB to investigate these issues thoroughly and take regulatory action against the data furnishers and credit reporting agencies who have failed to comply with the law. 
XXXXDOFED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1800.00} Status : Late Payment LAW : FCRA Section 611 ( 15 U.S. Code 1681i ) - Reinvestigation of disputed information. FCRA Section 607 ( b ) - Maximum accuracy.

ISSUE : This account is reporting late payments that are not accurate and were not verified during the first round.

STORY : I never received any notice of delinquency or late status from this servicer. I consistently maintained contact and ensured my obligations were met. I am requesting you to obtain proper verification directly from the furnisher, and if not, delete it immediately. 
XXXXDOFED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3800.00} Status : Late Payment LAW : FCRA Section 611 and Section 607 ( b ) ISSUE : Inaccurate late payment notation is harming my credit unfairly.

STORY : I had submitted documentation to the servicer clarifying my hardship status during the time in question. Despite that, the account continued to report negatively. This account must be re-investigated with proper documentation or removed. 
XXXXDOFED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3700.00} Status : Late Payment LAW : FCRA XXXX XXXX and XXXX ( b ) ISSUE : This account is still reporting false late payment information even after my initial dispute. 
STORY : I have repeatedly requested proper verification and have not received a satisfactory response. This delay and failure to ensure accurate reporting is a clear violation of FCRA and must be corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX XXXX Balance Owed : {$530.00} Status : Collection LAW : FDCPA Section 809 ( 15 USC 1692g ) - Validation of debts. FCRA Section 611 - Reinvestigation ISSUE : I never received validation or a debt notice from this collector before the item appeared on my credit report. 
STORY : This account is causing damage and was added without giving me my consumer right to validate the debt. This collection agency must provide full proof of the debt or it must be deleted. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX Balance Owed : {$1000.00} Status : Collection LAW : FDCPA Section 809 and FCRA Section 611 ISSUE : Duplicate and unverifiable debt listed without proper documentation or validation.

STORY : I believe this is a duplicate account and request that you investigate and validate it directly with the furnisher. If proper validation can not be provided, delete the account from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX Balance Owed : {$530.00} Status : Collection LAW : FDCPA Section 809 and FCRA Section 611 ISSUE : This account appears to be either duplicate or misreported, and no debt notice was provided.

STORY : I have not received any communication about this account and did not authorize or agree to the reported debt. The presence of this item without proper consumer notice or verification violates the FCRA and FDCPA.

I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to launch a full investigation into these matters. The data furnishers and credit reporting agencies have failed to comply with the FCRA by reporting inaccurate, unverifiable, outdated, and unauthorized information on my credit report. I am requesting full deletion of the accounts, inquiries, and addresses listed above. I have attached supporting documents including my identification and proof of residence for verification purposes. Please take enforcement action as appropriate to ensure my rights are protected and restored.

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