Consumer complaint received 2025-07-17 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) related to my consumer credit file. I am a victim of false address reporting, unauthorized hard inquiries, and inaccurate account reporting by furnishers and credit bureaus. These actions have severely damaged my credit standing and caused significant hardship in my personal and financial life.

I have never authorized many of the items currently appearing on my credit reports, and despite my prior efforts to resolve these issues, they remain unresolved. This letter supplements a prior complaint that is still under review by the CFPB. 
Below are the details of each disputed item : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$0.00} Status : Late Payment Issue : This account is inaccurately reporting a late payment, even though it is fully paid and closed with a XXXX balance. No payment should be marked late post-closure.

Law : FCRA 607 ( b ) ; FCRA 611 ; 15 U.S. Code 1681e ( b ) Requires credit bureaus to ensure maximum possible accuracy.

Story : I was notified of a late payment reporting on this XXXX account, even though it has a {$0.00} balance and was resolved without issue. At the time this alleged late payment occurred, I was experiencing a brief period of financial hardship due to temporary employment loss. However, I communicated with the creditor and made arrangements to pay the balance in full. The creditor accepted this, and I brought the account current. Yet, this late payment continues to be reported, which is a misrepresentation of the account 's status. Continued reporting of this negative item is unjustified and damaging. I respectfully request that this late payment be removed in accordance with FCRAs standards of accuracy and fairness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$410.00} Status : Late Payment Issue : Late payment was due to confusion during automatic withdrawal setup after account creation.

Law : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers m
ust report accurate and complete information.

Story : This account reported a late payment shortly after it was opened, which stemmed from a technical issue with autopay registration. I believed the payments were set to withdraw automatically, but due to a delay in the setup, a payment was missed. Once I discovered the error, I paid the amount immediately and have remained current ever since. I have documentation that supports my good faith effort and timely correction. This isolated incident should not be reflected as a delinquency, as it was neither intentional nor a pattern. Under the FCRA, this negative mark does not represent the full context and should be removed for fairness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$0.00} Status : Late Payment Issue : Late payment reported on an account that has been paid off in full.

Law : 15 U.S.C 1681s-2 ( a ) ; FCRA 611 Bureaus must reinvestigate when a consumer disputes an item as inaccurate.

Story : This account was successfully completed, and the loan was paid in full. The late payment occurred during a difficult period in XXXX, when I was managing unexpected medical bills. Despite this hardship, I prioritized my obligations and paid off the loan early. Continuing to report a late payment on a closed and satisfied account is unfair and misrepresents my overall payment history. Please remove this negative mark to reflect the responsible conclusion of this loan and uphold the requirement for fair and accurate reporting. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$33000.00} Status : Charge Off Issue : The account was charged off without proper notice or sufficient opportunity to bring it current.

Law : FCRA 1681s-2 ( a ) ( 1 ) ; FDCPA 807 ( 8 ) ; Metro 2 Guidelines Requires accurate representation of status and proper validation.

Story : I was struggling with job instability and personal health challenges that resulted in temporary income disruption. Despite my attempts to negotiate a payment arrangement and my willingness to make partial payments, the creditor proceeded to charge off the account. I was never provided written validation or a full itemized breakdown of the balance. The reporting fails to reflect the context and my efforts to resolve the matter. This is not only misleading, but it potentially violates Metro 2 guidelines on how charged-off accounts must be reported. I demand that this account be removed or corrected to reflect the true history and my cooperative intentions. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$54.00} Status : Charge Off Issue : A small balance was charged off without notice ; I was unaware of any delinquency.

Law : FCRA 611 ( a ) ; 15 U.S.C. 1681i Right to dispute incomplete or inaccurate items. 
Story : I only became aware of this charge-off after checking my credit report. There was never a written or verbal notification, and no collection agency ever contacted me about the balance. I would have paid it immediately if I had been properly notified. It is unreasonable and damaging to my credit profile to have a charge-off reported for such a small amount that could have easily been resolved. I am requesting this account be removed due to lack of proper validation and failure to notify the consumer, as required under the FCRA and standard industry procedures.

RELIEF REQUESTED I respectfully request the CFPB to : 1. Investigate the unauthorized credit inquiries and require the furnishers to prove permissible purpose. 2. Direct the credit bureaus to delete the inaccurate addresse
s, inquiries, and account records if the furnishers can not provide proper validation.

3. Hold furnishers accountable for violations o f FCRA and FDCPA, including possible fines and corrective action. 4. Provide written confirmation to me once the records have been deleted or corrected.

5. Issue appropriate enforcement against repeat violators or data furnishers engaging in systemic neglect. 
These violations are serious, repeated, and harmful, and I am requesting immediate attention to prevent further damage to my financial future. I am happy to provide supporting documentation or identification verification upon request. 
Thank you for your time and assistance.

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