Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint to the Consumer Financial Protection Bureau under the rights granted to me by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). My credit report currently contains multiple inaccuracies, unverifiable debts, and unauthorized inquiries that are severely affecting my financial life and peace of mind. Despite repeated disputes, these errors remain unresolved, and I am now escalating this matter for your urgent attention. 
XXXX XXXX XXXXXXXX XXXX  Issue : High Balance {$1200.00}, Late Payment Law : Under the FCRA and the Equal Credit Opportunity Act ( ECOA ), creditors must report accurate account information, including payment status. Late payments must be verifiably accurate, or they must be corrected or removed if disputed. 
Story : This XXXX XXXX account shows a late payment which could materially lower the credit score. Late payments signal to lenders potential risk, which can increase interest rates or lead to credit denial. Ensuring accurate reporting or disputing incorrect late payments is critical. 

XXXX XXXXXXXX XXXX XXXX Issue : Charge Off, High Balance {$12000.00} Law : Charge-offs generally occur when accounts are delinquent for 180 days or more, as per FCRA guidelines. However, lenders must verify the debt and provide documentation if challenged. Invalid charge-offs can be disputed and removed. 
Story : A charge-off severely damages credit reports and reflects significant financial distress. It stays on reports for up to seven years, affecting loan eligibility. Its essential to review the accuracy and legitimacy of this charge-off to protect credit health. 

XXXX XXXX XXXXXXXX XXXX  Issue : Charge Off, High Balance {$17000.00} Law : Creditors are required to report accurately and must provide proof if collection actions or charge-offs are reported under FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Story : Similar to the previous charge-off, this sizeable amount reflects long-term non-payment, potentially due to financial hardship. Disputing errors or negotiating settlements can mitigate damage. Accurate recording of payment history is critical here. 

XXXX XXXXXXXX XXXX XXXX Issue : Late Payment, High Balance {$830.00} Law : Late payments must be reported fairly under FCRA and are limited to a seven-year reporting period unless updated by subsequent activity. 
Story : Repeated late payments suggest ongoing cash flow issues. Late payment marks affect credit utilization and scoring algorithms, making future credit costlier. Resolution or dispute of inaccuracies can improve report standing. 

XXXX XXXX XXXX XXXX Issue : Late Payment, High Balance {$92.00} Law : Accurate payment reporting is mandated under FCRA, and minor balances with late payments require review to ensure correctness. 
Story : Even small balances with late payments can add up negatively, hinting at mismanagement or oversight by the creditor or consumer. Correcting this small balances status can help restore credit profile integrity. 

XXXX XXXX XXXX XXXX Issue : Late Payment, High Balance {$24000.00} Law : High-balance accounts with late payments must be reported truthfully under FCRA, but consumers have dispute rights if details are inaccurate. 
Story : The sheer size of this balance coupled with late payments indicates severe financial distress. This can harm loan approvals and increase borrowing costs significantly. Prompt action to dispute or negotiate is crucial. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Issue : Collection, High Balance {$4700.00} Law : Collections must be reported per FCRA rules ; the FDCPA ensures fair collection practices with documentation required for validity. 
Story : Account in collections signals unpaid debt and typically devastates credit reports for XXXX years. Correct verification or settlement is imperative to reduce lasting damage. 

XXXX XXXX Issue : Inquiry ( XX/XX/XXXX ) Law : All inquiries must comply with FCRA regulations ensuring they are for legitimate business purposes and with consumer consent. 
Story : Multiple inquiries reduce credit appeal to lenders due to perceived higher risk. Ensuring only authorized credit pulls are present is essential for credit integrity. 

XXXX XXXX : XXXX ( XX/XX/XXXX ) Law : Proper documentation or consumer consent is required for every credit inquiry. 
Story : Similar to other inquiries, this reduces XXXX XXXX and should be routinely checked for legitimacy. 

XXXX XXXX Issue : Inquiry ( XX/XX/XXXX ) Law : Authorized inquiries only, verified under FCRA, are allowed on consumer credit reports. 
Story : This year-end inquiry raises questions of timely credit activity and should be reviewed for accuracy. 

XXXX XXXX : XXXX ( XX/XX/XXXX ) Law : Consumer reporting agencies like XXXX must verify all inquiries comply with legal guidelines. 
Story : Routine inquiries assist lenders but many in short period signal financial stress, potentially harming credit rating. 

Final Note : These errors have caused me repeated emotional distress, financial loss, and embarrassment. Despite contacting the furnishers and credit bureaus, no resolution has occurred. I respectfully request CFPB 's intervention to : XXXX. Fully investigate all inaccurate accounts, addresses, and inquiries. 
XXXX. Compel the furnishers to provide documented proof or delete the items. 
XXXX. Ensure all entities comply with the FCRA and FDCPA. 
XXXX. Provide a written resolution within the legal timeframe. 
Thank you for your time and support in helping protect my consumer rights.

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