Consumer complaint received 2025-09-02 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: SC

Complaint narrative:
To Whom It May Concern, I am submitting this complaint because my credit report contains multiple inaccurate, unfair, and unlawful entries that violate the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my rights under consumer protection laws. These errors continue to harm me by lowering my credit score, limiting access to credit, increasing interest rates, and causing significant emotional distress. Despite my prior attempts to dispute, these items remain improperly reported.

Below are the specific accounts and issues : Late Payment Reporting Issues The following accounts are reporting late payments even though balances are either {$0.00} or insignificant, making such reporting inaccurate, misleading, and in violation of FCRA 1681e ( b ) ( failure to ensure maximum possible accuracy ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting a late payment on an almost {$0.00} balance is unreasonable, punitive, and misleading. This misrepresentation creates the false impression of delinquency where none meaningfully exists. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Multiple accounts : Opened XX/XX/XXXX | Balance : {$0.00} Late Payment Opened XX/XX/XXXX | Balance : {$0.00} Late Payment Opened XX/XX/XXXX | Balance : {$0.00} Late Payment Opened XX/XX/XXXX | Balance : {$0.00} Late Payment These four XXXX accounts are all showing late payments on accounts with {$0.00} balances, which is factually impossible. Reporting late payments where no debt exists is deceptive and unlawful. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX | Balance : {$0.00} Late payment reporting on a closed {$0.00} balance account is inaccurate and harmful. 

XXXX ( XXXX XXXX XXXX XXXX Opened XX/XX/XXXX | Balance : {$21000.00} Late payment reporting appears inconsistent and lacks proper validation under FCRA. I demand proper documentation and validation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX | Balance : {$16000.00} Reporting patterns are inconsistent and damaging. Without proper validation, this violates FCRA accuracy requirements. 

Collection Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX | Balance : {$3900.00} | Collection This collection account is being reported without proper validation of debt ownership, amount, and legal right to collect, violating FDCPA 809 ( debt validation ). Reporting unverified collections also violates FCRA 1681i. 

Unauthorized or Questionable Inquiries The following inquiries appear on my report without permissible purpose under FCRA 604. Hard inquiries without my direct authorization are unlawful and damaging : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries are lowering my credit score unfairly, and I demand immediate removal. 

Legal Grounds FCRA 1681e ( b ) CRAs must follow reasonable procedures to assure maximum possible accuracy. These late payment entries and inquiries are not accurate.

FCRA 1681i CRAs must reinvestigate disputed items ; failure to correct errors violates this section.

FCRA 604 Prohibits inquiries without permissible purpose.

FDCPA 809 Requires debt collectors to validate debt before reporting or collecting.

Relief Requested I respectfully request the following corrective actions : Immediate deletion of all late payment notations on accounts with {$0.00} balances ( XXXXXXXX XXXX XXXX XXXX. 

Investigation and removal of inaccurately reported late payments on XXXX and XXXX XXXX XXXX 

Deletion of the unvalidated collection account XXXX XXXX XXXX XXXXXXXX ). 

Removal of all unauthorized hard inquiries listed above. 

Written confirmation that these errors have been corrected.

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