Consumer complaint received 2025-09-03 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: OK

Complaint narrative:
I am formally notifying the Consumer Financial Protection Bureau of multiple erroneous items on my credit report, including a wrong address and fraudulent accounts. These inaccuracies violate FCRA Sections 1681i, 1681e ( b ), 1681s-2, 609 ( a ), 611, and 623 ( a ) ( 1 ), which require accurate and verifiable reporting. The false reporting has resulted in harm to my financial standing, denial of credit opportunities, and emotional stress. I request the CFPBs intervention to ensure thorough reinvestigation, verification, and removal of unverifiable items. 

Account XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * This tradeline is reported as a charge-off while also showing a XXXX balance. This is contradictory, misleading, and does not represent the actual account status. Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], reporting agencies must ensure maximum possible accuracy. A charge-off with a {$0.00} balance implies that the account is still derogatory despite having no financial obligation, which is a violation of the accuracy requirement. Furthermore, under 611 [ 15 U.S.C. 1681i ], you are required to provide proper documentation such as a signed contract, complete payment history, and evidence of charge-off status. To date, no such proof has been furnished. Without this, the account is unverifiable and must be removed. Continuing to report this item as derogatory with a XXXX balance creates a false impression and unfairly harms my creditworthiness. The failure to maintain accurate reporting constitutes negligence under the FCRA and exposes the furnisher and bureau to liability. I demand immediate deletion. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * This account has been reported as charged-off despite showing a XXXX balance. Once again, this is a direct contradiction that violates the accuracy standards under 1681e ( b ). A charge-off indicates an unpaid financial obligation, but a XXXX balance shows no liability exists. Reporting both simultaneously is misleading, damaging, and fails to provide a clear and accurate status. Additionally, under XXXX23 [ 15 U.S.C. 1681s-2 ], furnishers are legally prohibited from reporting information they know, or should know, is inaccurate. The continued presence of this account after my first dispute shows that the reinvestigation process under 611 was either incomplete or improperly conducted. The law requires you to provide original source documents, including the signed loan agreement, a complete record of payments, and charge-off records from the creditor. None of this has been provided, which means the tradeline is unverifiable. Inaccurate reporting of a charge-off with no balance is considered willful noncompliance under the FCRA, and I reserve my right to seek legal remedies if not corrected immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Collection * This alleged collection account shows a XXXX balance, which raises serious concerns about the legitimacy of the debt. Reporting a collection account as active with a XXXX balance is both contradictory and misleading. According to 1681e ( b ), all data furnished must be complete and up to date. If there is no outstanding balance, then this account should not be reported as a collection, as it falsely implies ongoing derogatory activity. Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) prohibits any misrepresentation of debt status or amount. The collector has not provided a lease agreement, itemized statement of alleged charges, or proof of assignment authorizing them to collect. Without these, this account is unverifiable. The FCRA requires full reinvestigation, not surface-level verification. Keeping this on my credit report after I already disputed it demonstrates a failure to comply with XXXX reinvestigation requirements. Because this is misleading and harmful, I demand permanent deletion. Continuing to report unverifiable collection accounts constitutes reckless disregard of consumer protection laws. 

XXXX XXXX XX/XX/XXXX XXXX This inquiry is being disputed as unauthorized and impermissible. Under 604 [ 15 U.S.C. 1681b ] of the FCRA, a credit inquiry can only occur if I have provided consent or initiated a credit-related transaction. I did not authorize XXXX to pull my credit on the reported date, nor did I apply for any credit with them. The presence of this inquiry without my permission is damaging because it falsely indicates excessive credit-seeking behavior, which lowers my creditworthiness. The FCRA requires strict compliance with permissible purpose, and failure to obtain written authorization makes this inquiry unlawful. As no proof of an application or signed consent form has been provided, this inquiry is unverifiable. The continued reporting of this item violates 611s reinvestigation requirements. This is willful noncompliance and can subject the bureau and furnisher to liability. I demand this inquiry be deleted immediately. 

I respectfully request the CFPB to ensure that all reporting agencies and creditors comply with the FCRA, verifying all disputed items or deleting them if unverifiable. The false reporting has caused financial damage, stress, and harm to my reputation. I expect confirmation in writing once all inaccuracies have been fully addressed.

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