Consumer complaint received 2025-12-03 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: DE

Complaint narrative:
I am writing to formally dispute multiple inaccurate accounts on my credit report that violate my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., including Sections 1681i ( Reinvestigation of Inaccurate Information ) and 1681e ( b ) ( Accuracy of Reporting ). The following accounts are either inaccurately reported as charge-offs, collections, or late payments despite my full compliance with payment obligations. These errors have caused and continue to cause significant harm to my creditworthiness, financial opportunities, and personal reputation. I demand that each item listed below be thoroughly investigated and deleted or corrected immediately to comply with federal law. 

XXXX XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off * * Law : FCRA 1681i, 1681e ( b ) Story : This account was inaccurately reported as a charge-off. I have no knowledge of any missed payments, and the balance is {$0.00}, confirming full satisfaction. The reporting of this account as a charge-off is false, misleading, and violates my right to accurate credit reporting. 

XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$54000.00} Late Payment * * Law : FCRA 1681i, 1681e ( b ) Story : The late payments on this student loan account are incorrect. I have consistently made payments on time. Reporting these as late is inaccurate and detrimental to my credit standing. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$17000.00} Late Payment * * Law : FCRA 1681i, 1681e ( b ) Story : This account is reported with late payments that I did not make. All payments were timely and any reporting of late payment is false, requiring immediate correction. 

XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Charge Off * * Law : FCRA 1681i, 1681e ( b ) Story : This account was wrongly charged off. I dispute the validity of this charge-off, and there is no evidence of delinquency. Reporting this violates my rights under FCRA. 

XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law : FCRA 1681i, 1681e ( b ) Story : Late payments listed are incorrect. The account has been in good standing, and reporting false late payments harms my credit profile. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law : FCRA 1681i, 1681e ( b ) Story : Duplicate reporting of late payments on the same account is inaccurate and misleading. 

XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law : FCRA 1681i, 1681e ( b ) Story : Late payments are falsely reported. I have made all payments on time, and this must be corrected. 

XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law : FCRA 1681i, 1681e ( b ) Story : Duplicate reporting of late payments on the same account. This misreporting must be removed. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law : FCRA 1681i, 1681e ( b ) Story : Late payments are inaccurate and misleading. I demand correction. 

XXXX XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law : FCRA 1681i, 1681e ( b ) Story : This account is inaccurately reported with late payments. Payments were made on time. 

XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law : FCRA 1681i, 1681e ( b ) Story : Duplicate inaccurate reporting of late payments.

XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law : FCRA 1681i, 1681e ( b ) Story : False late payment entries require immediate correction. 

XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law : FCRA 1681i, 1681e ( b ) Story : Duplicate inaccurate reporting of late payments. 

XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law : FCRA 1681i, 1681e ( b ) Story : Late payments are false. Account was properly maintained and paid. 

XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law : FCRA 1681i, 1681e ( b ) Story : Duplicate reporting of false late payments. 

XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Collection * * Law : FCRA 1681i, 1681e ( b ), FDCPA 1692e Story : This collection account is inaccurate. I have no knowledge of this debt, and reporting it falsely is a violation of both FCRA and FDCPA. 

I demand that the CFPB take immediate action to ensure each of these inaccurate accounts is fully reinvestigated, corrected, or deleted, and that my credit report reflects accurate and lawful information. These reporting errors constitute a material violation of federal law and continue to cause financial harm.

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