Consumer complaint received 2025-11-14 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: TN

Complaint narrative:
To Whom It May Concern, I am filing this complaint because my credit report contains multiple inaccurate, unverified, and improperly reported accounts. The furnishers and credit bureaus have failed to provide any valid documentation required under the Fair Credit Reporting Act, including verification, original contracts, billing statements, and proper investigation. These errors have caused financial harm, denials, and emotional distress. This complaint requests full reinvestigation, correction, and enforcement of FCRA compliance. 

XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} Late Payment * * This account is being reported with a late payment without providing me any written notice required under FCRA 609 ( a ) and without verifying the accuracy under 611 ( a ). The furnisher has not shown any original records proving the delinquency, and reporting without proper validation violates FCRA 623 ( a ) ( 1 ) ( A ). 

XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00} Late Payment * * This late payment was never validated or properly communicated to me in writing. FCRA 607 ( b ) requires maximum accuracy, and reporting a late status without furnishing proof of the alleged delinquency violates 623 ( a ) ( 1 ) ( A ). I request removal if documentation can not be produced. 

XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$15000.00} XXXX * * This chargeoff is being reported without any verifiable evidence or original signed contract. FCRA 611 mandates a proper reinvestigation and deletion if unverifiable, and FCRA 623 prohibits reporting information that can not be substantiated. 

XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Chargeoff * * The chargeoff status was placed without providing me any notice required by FCRA 609 ( a ). Without showing the original records or proof of the chargeoff event, continuing to report it violates FCRA 602 and 623 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00} Chargeoff * * This furnisher has not provided proof of the alleged debt or any original agreement. Reporting a chargeoff without supporting evidence violates FCRA 623 and 607 ( b ), and I request removal if it can not be verified with physical documentation. 

XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} XXXXXXXX XXXX XXXX  This account is being reported inaccurately and without proof of chargeoff or delinquency. FCRA 609 ( a ) requires you to provide the documentation used to verify, and FCRA 623 ( a ) ( 3 ) prohibits reporting information that is incomplete or inaccurate.

I am requesting full reinvestigation, immediate correction, removal of unverifiable accounts, and enforcement of FCRA compliance. These errors have caused serious financial harm and must be addressed promptly.

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