Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Dear CFPB, I am writing to formally submit a complaint regarding inaccuracies in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. Below are the details of my situation : Account Summary Overview Total Accounts : XXXX Total Accounts : XXXX Open Accounts : XXXX Closed Accounts : XXXX Delinquent Accounts : XXXX Derogatory Accounts : XXXX Collection Accounts : XXXX Total Balances : {$5700.00} Payments : {$220.00} Public Records : XXXX Inquiries ( 2 years ) : XXXX Issues Identified 1. Inaccurate Account Status : Some accounts are reported as delinquent or derogatory, despite my timely payments. This misrepres

entation negatively impacts my credit score. 2. Incorrect Balances : The balances reported do not accurately reflect my actual outstanding debts. I believe that some accounts may be overstated or incorrectly reported.

3. Unauthorized Collection Accounts : There is a collection account listed that I do not recognize. I have not received any communication regarding this account, nor do l believe it is valid.

4. Public Records : There are public records on my report that may be inaccurate or outdated, which should not be affecting my creditworthiness.

5. Excessive Inquiries : I have noted 19 inquiries over the past two years, some of which I did not authorize.

This could indicate unauthorized access to my credit report.

Legal Violations I believe the following laws may have been violated in relation to my credit report : 1. Fair Credit Reporting Act ( FCRA ) : Accuracy Requirement ( 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies must ensure maximum possible accuracy of the information they report.

Dispute Rights ( 15 U.S.C.

1681i ) : I have the right to dispute inaccuracies on my credit report, and the agencies are required to investigate these disputes.

Notification of Adverse Action ( 15 U.S.C. 1681m ) : If | was denied credit based on my credit report, I should have been informed of the source of the information.

2. Identity Theft Protections ( 15 U.S.C. 1681c-2 ) : If there are accounts fraudulently opened in my name, I have the right to block this information after providing proof of identity theft Consumer Financial Protection Bureau ( CFPB ) Regulations : Creditors and credit reporting agencies must comply with regulations that protect consumers from inaccuracies and unfair practices.

State Consumer Protection Laws : Depending on my state, there may be additional protections that have been violated.

Unfair or Deceptive Acts or Practices ( UDAP ) : If any creditor or reporting agency engaged in deceptive practices regarding my credit information, this could violate both federal and state consumer protection laws.

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