Consumer complaint received 2025-07-12 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 formal complaint regarding multiple inaccurate items that are currently being reported on my credit file. These errors are seriously impacting my creditworthiness and have caused me financial and emotional distress. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate these matters and ensure the credit bureaus comply with federal law, particularly the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), in handling and correcting these inaccuracies Account Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * Law Issue : This account is inaccurately reported as a charge-off despite showing a {$0.00} balance. This violates FCRA 15 U.S.C 1681i and 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ) which prohibit furnishing outdated or incorrect information.

Story : I paid this account and resolved it in full. There should be no charge-off remark. This inconsistency is harming my credit standing and must be corrected or deleted. 
Account Dispute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1600.00} Chargeoff * * Law Issue : Under FCRA 15 U.S.C 1681i and 15 U.S.C 1681c, outdated or unverifiable charge-offs must not be reported.

Story : This account is over seven years old and no longer meets the criteria for continued reporting. Its presence is a clear violation of federal law, and it is negatively impacting my creditworthiness. 
Account Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law Issue : Per FCRA 15 U.S.C 1681e ( b ), credit bureaus are required to ensure the accuracy and completeness of all reported data.

Story : This account was fully paid and closed, yet it still reflects a derogatory late payment status. This is misleading and damaging and should be corrected or removed. 
Account Dispute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law Issue : Reporting late payments on an account with a {$0.00} balance is inaccurate and fails to comply with FCRA 15 U.S.C 1681i ( a ).

Story : This account has been settled, and no payments have been missed post-closure. This negative entry is inaccurate and must be deleted from my file. 
Account Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4000.00} Chargeoff * * Law Issue : The Fair Credit Reporting Act requires that all information be verifiable, complete, and accurate ( FCRA 15 U.S.C 1681i ).

Story : This account has been reported as charged off with no valid proof of balance accuracy. I demand that you conduct a reinvestigation and remove this account if the creditor can not furnish documented proof. 

These inaccurate addresses, account misreportings, and unauthorized inquiries demonstrate negligent handling of my personal information and repeated violations of the FCRA and FDCPA. I respectfully request that the CFPB compel the credit reporting agencies and furnishers to investigate these errors thoroughly, remove all unverifiable or inaccurate data, and provide me with written confirmation of all corrections made

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