Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for Unauthorized Withdrawals, Double Reporting, and Unfair Credit Practices Dear Consumer Protection Officer, I am submitting this complaint to report XXXX XXXX XXXX  repeated engagement in dubious, unethical, and unauthorized financial practices that have negatively affected my credit standing and financial stability. 

XXXX. Background and Negotiation Attempt During a period of financial hardship, I contacted XXXX XXXX  customer service to negotiate a reasonable payment arrangement on my account to prevent delinquency. Despite my good-faith effort to resolve the matter amicably, the bank refused to cooperate or discuss an affordable repayment plan. Instead, they escalated the account balance with hyper-inflated charges and penalties. 

XXXX. Unauthorized Withdrawal from External Account Without my authorization or consent, XXXX  XXXX withdrew funds directly from my XXXX XXXX  account, crossing financial boundaries and violating my rights to account privacy and security. I had never provided authorization for such inter-bank transactions. This act represents a serious breach of financial ethics and possibly of federal electronic fund transfer regulations. 

XXXX. Duplicate and Repeated Credit Bureau Reporting After a previous report on the same account had already been filed with the credit bureaus, XXXX XXXX has now re-filed the same delinquency under a different collector or entity, resulting in duplicate negative reports. This practice violates the principle of fair reporting under the Fair Credit Reporting Act ( FCRA ), as a consumer can not be penalized twice for the same account or incident. 

XXXX. Transfer and Concealment Tactics When I contacted XXXX  XXXX for clarification, I was informed that the account was transferred to another party, yet they simultaneously filed a new derogatory report on my credit profile. This appears to be an intentional effort to manipulate or circumvent regulatory accountability. 

Relief Sought I respectfully request the following actions : 1. Immediate investigation into XXXX XXXX unauthorized inter-bank withdrawals and duplicate credit reporting. 
XXXX. Removal of all duplicate and inaccurate entries related to this account from all major credit bureaus ( TransUnion, XXXX XXXX XXXX XXXX 
XXXX. Restitution or reimbursement for any unauthorized deductions taken from my XXXX account. 
XXXX. XXXX that XXXX XXXX will cease further harmful or deceptive reporting and communications regarding this matter. 


Conclusion These actions by XXXX XXXX represent predatory financial behavior and a conspiracy to exploit consumers during vulnerable moments. No individual or company should be subjected to double punishment, unauthorized withdrawals, or deceptive reporting tactics. 

Thank you for your immediate attention to this serious matter. I am willing to provide supporting documentation and bank statements upon request. 

Sincerely, XXXX XXXX XXXX,

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