Consumer complaint received 2025-09-23 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:
I am filing this complaint with the Consumer Financial Protection Bureau because I have been the victim of inaccurate reporting that is severely damaging my credit profile, causing me financial harm and stress. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the bureaus and furnishers have failed to correct these errors despite my multiple disputes. The following accounts are being reported inaccurately, and I am requesting a full investigation and immediate deletion or correction. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$200.00} Late Payment * * This account is still reporting a late payment despite XXXX prior disputes which shows a failure to perform a reasonable reinvestigation under FCRA 611. I have never received any proof of the alleged delinquency, no copy of the original agreement under FCRA 609, and no documentation of how the late payment was calculated. Your continued reporting of this unverifiable derogatory information is causing me higher interest rates, credit denials, and personal hardship which makes this harmful and inaccurate reporting a direct violation of FCRA 602 that mandates maximum possible accuracy. I demand that you provide full validation including account statements, payment history, date of first delinquency, and any documentation proving that I was notified before reporting negative information. Failure to provide this proof within 30 days means this item must be deleted. Reporting information that can not be verified is considered negligent and willful noncompliance under FCRA 616 and 617 and exposes you to legal liability. I am demanding that you take this third-round dispute seriously and perform a complete reinvestigation as required by law. If you can not verify this with documentation from the original creditor, you must delete it immediately from my credit file. Continued failure to comply will result in CFPB and Attorney General complaints for violations of my rights under federal law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Balance Owed : {$19000.00} Late Payment * * This account is reporting as past due with late payments but there has been no proper validation provided despite my previous requests. Under FCRA 611 ( a ) ( 5 ) ( A ) you are required to reinvestigate disputed information and delete or correct anything that can not be verified. I have not received the payment history, contract, date of last payment, or any record of proper notice before negative reporting. This makes the reporting unverifiable and inaccurate under FCRA 607 ( b ) which requires maximum possible accuracy. The amount and status of this account appear inflated and inconsistent with my records which creates reputational harm, emotional stress, and financial loss. A reasonable reinvestigation should have resulted in correction or deletion by now and your failure to do so is willful noncompliance under FCRA 616. I am demanding that you provide full documentation from the original creditor, proof of permissible purpose for furnishing this information, and verification of the delinquency date under FCRA 623 ( a ) ( 5 ). If you can not provide this information, you are required by law to delete this account from my credit file immediately. Continued inaccurate reporting after notice is a violation that can lead to statutory and actual damages and I am prepared to escalate this to the CFPB, FTC, and state regulators if necessary. 

I respectfully request the CFPB to take immediate action to investigate these accounts, ensure compliance with federal credit reporting laws, and compel the furnishers and credit reporting agencies to remove or correct all inaccurate information. These errors have caused emotional distress, financial loss, and reputational damage, and I seek full resolution through your intervention.

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