Consumer complaint received 2025-10-23 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 submitting this complaint regarding inaccurate reporting, unauthorized inquiries, and unfair handling of my accounts which violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. These inaccuracies and unauthorized activities are harming my credit and must be fully investigated and corrected. I request immediate investigation, correction, and verification of all listed items. 

DPT EDXXXX # XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3700.00} reported late payments are inaccurate ; under FCRA Section 1681i, I request verification or deletion. 

DPT EDXXXX # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00} reported late payments are false ; reinvestigate per FCRA 1681i. 

DPT EDXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} late payments not mine ; verify under FCRA 1681i. 

DPT EDXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4200.00} inaccurate late payments ; must be corrected under FCRA. 

DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} false late payments ; request removal or verification per FCRA 1681i. 

DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7300.00} incorrect late payments ; reinvestigate as required by law. 

DPT EDXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4400.00} late payments are inaccurate ; verify or delete under FCRA. 

DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} false late payments ; correct per FCRA 1681i. 

DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} reported late payments are not accurate ; verify under FCRA. 

DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} false late payments ; reinvestigate per FCRA Section 1681i. 

DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} inaccurate reporting ; verify or delete under FCRA. 

DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} reported late payments are false ; correct per FCRA. 

DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} incorrect late payments ; must be verified or removed under law. 

DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} false late payments ; request correction per FCRA. 

DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} late payments are inaccurate ; verify under FCRA. 

DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} false late payments ; reinvestigate and correct per law. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00} incorrectly listed as charge-off ; under FCRA 1681i, verify or remove. 

XXXX XXXX inquiry XX/XX/XXXX unauthorized ; violates FCRA 604 ( a ) ( 3 ) ; remove immediately. 

XXXX XXXX inquiry XX/XX/XXXX unauthorized ; remove under FCRA Section 604 ( a ) ( 3 ). 

XXXX XXXX inquiry XX/XX/XXXX unauthorized ; must be deleted per FCRA. 

I am exercising my rights under FCRA and FDCPA to ensure all inaccurate, unverifiable, and unauthorized information is corrected or removed. These issues have directly caused financial harm, denied me fair credit opportunities, and violated federal law. I request CFPB intervention, full investigation, and prompt correction of all items listed above.

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