Consumer complaint received 2025-09-26 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: CA

Complaint narrative:
To the Consumer Financial Protection Bureau I am filing this formal complaint regarding multiple inaccurate and unlawful items being reported on my credit file. These items are damaging my creditworthiness, preventing me from obtaining fair access to financial opportunities, and they are being reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. I am requesting CFPB oversight and enforcement to ensure immediate reinvestigation, deletion of these inaccurate items, and accountability from the furnishers and credit reporting agencies who are continuing to allow this false information to appear. 

XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late PaymenXXXX XXXX XXXX This account reflects late payments despite showing a XXXX balance. The contradiction demonstrates the inaccuracy of this reporting, as no debt exists yet derogatory remarks are being maintained. FCRA Section 609 ( a ) requires that the consumer reporting agency furnish all information in the file, including contracts, billing statements, and payment histories to validate such reporting. None of this evidence has been provided in response to my first dispute. By reporting late payments with no balance owed, the bureau is publishing misleading and unfair information in violation of FCRA Section 607 ( b ), which mandates maximum possible accuracy. Under Section 611 ( a ) ( 5 ), unverifiable and inaccurate data must be deleted. The lack of substantiation shows that this late payment history is being reported without permissible verification. The Consumer Financial Protection Bureau has made clear that reporting inaccurate payment history harms consumers by lowering credit scores, increasing the cost of borrowing, and damaging reputations. If there is no balance owed, there is no legitimate payment obligation to be late on, making this entry both inaccurate and misleading. I demand immediate deletion of this item unless the credit bureau can produce signed documentation from the creditor validating the accuracy of the payment history, including monthly statements and proof of delinquency. Without such validation, this entry violates my rights under the FCRA and must be permanently removed. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$2400.00} Late Payment * * This account is being reported with late payments, yet no valid proof has been provided that substantiates the alleged delinquencies. Under FCRA Section 611, a credit bureau must provide the consumer with evidence from the furnisher showing that the payment history is accurate. To date, no such evidence has been presented. Without original contracts and complete billing histories, this reporting is unverifiable and inaccurate. Section 602 ( A ) of the FCRA requires fair and accurate reporting, and Section 607 ( b ) requires maximum possible accuracy. The continued reporting of unverifiable late payments violates both provisions. The CFPB has made it clear that inaccurate reporting of payment history unfairly harms consumers by lowering credit scores and damaging reputations. The presence of this derogatory information creates significant financial harm and limits access to fair lending. Reporting this account without proper substantiation is not only misleading but also unlawful. Under Section 611 ( a ) ( 5 ), unverifiable accounts must be deleted. The lack of validation and failure to furnish original documentation shows that this account can not be lawfully reported. I am demanding deletion unless full validation is provided directly from the creditor, including signed agreements and accurate billing statements that prove the delinquency. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$19.00} Late Payment XXXX  This account is reported as having a small balance of {$19.00} with late payments, yet no substantiation has been provided. FCRA Section 609 ( a ) requires that credit bureaus provide consumers with full verification of disputed accounts, including contracts and billing statements. To date, no such evidence has been produced, rendering this account unverifiable. Reporting late payments for a small balance without validation is misleading and violates Section 607 ( b ), which requires maximum possible accuracy. The CFPB has warned that even minor derogatory entries can cause unfair harm to credit profiles and increase financial burdens on consumers. Reporting this unverifiable item is unlawful under Section 602 ( A ), which requires fair reporting. Under Section 611 ( a ) ( 1 ), you are required to reinvestigate disputes, and under Section 611 ( a ) ( 5 ), delete unverifiable items. By continuing to report this late payment history without proper validation, XXXX XXXX is violating consumer rights and damaging my creditworthiness. This account must be deleted unless complete validation is provided, including contracts and billing records directly from the creditor.

I respectfully request that the CFPB take immediate action to ensure that these inaccurate, unverifiable, and unauthorized items are deleted from my credit file. These accounts and inquiries have been maintained in violation of federal law, and despite my disputes, the credit reporting agencies and furnishers have failed to comply with their legal obligations. I am requesting CFPB intervention to protect my rights as a consumer and to enforce the laws set forth under the FCRA to guarantee fair and accurate reporting.

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