Consumer complaint received 2025-05-29 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: MO

Complaint narrative:
I am submitting this complaint to report multiple inaccurate and unresolved credit entries appearing on my consumer credit report. These accounts have either been incorrectly reported or remain uncorrected despite my prior disputes. The entities involved have not fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ) 611 and 623, and some entries may also constitute violations under the Fair Debt Collection Practices Act ( FDCPA ). 

Disputed Accounts : XXXX ( Opened XX/XX/XXXX ) Charged off account listed twice with slightly different names. One entry reports a high balance of {$800.00}, while the duplicate does not list a balance. This suggests a potential double reporting of the same debt, inflating derogatory impact. 

XXXX ( Opened XX/XX/XXXX ) Charged off with a balance of {$790.00}. Similar in origin to the two above ; the reporting appears duplicative and lacks accurate supporting documentation. 

XXXX XXXX ( Opened XX/XX/XXXX ) Reported as charged off with a balance of {$22000.00}. Disputed due to inconsistencies in terms, status, and lack of validation documentation. 

XXXX ( Opened XX/XX/XXXX ) Late payments have been reported inaccurately. My records do not reflect these derogatory entries, and my disputes remain unresolved. 

XXXX XXXX ( Opened XX/XX/XXXX ) Listed as a collection account for {$71.00}. The future-dated entry alone indicates a reporting error. This tradeline is unverifiable and was not substantiated after dispute. 

XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX ) Collection account of {$54.00} reported without proper debt validation. Despite prior disputes, the bureau and furnisher failed to provide sufficient proof. 

XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX ) Late payment inaccurately reported, despite my records and prior correspondence requesting correction. 

Impact and Violations : These inaccuracies have led to adverse actions including credit denial and increased financial hardship. The continued presence of unverifiable and duplicated tradelines violates my rights under FCRA 611 ( procedure in case of disputed accuracy ) and 623 ( responsibilities of furnishers ). The duplicate and future-dated entries indicate a failure to follow reasonable procedures to ensure maximum possible accuracy as required by FCRA 607 ( b ).

Resolution Sought : I am requesting that the Consumer Financial Protection Bureau investigate these reporting inaccuracies and require the credit bureaus and furnishers to : Delete or correct all unverifiable, inaccurate, or duplicative tradelines Provide written confirmation of corrective actions Adhere to FCRA reinvestigation timelines and procedures If unresolved, I will escalate with the FTC and my state Attorney General.

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