Consumer complaint received 2025-08-26 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: AZ

Complaint narrative:
I am writing to formally dispute multiple inaccurate items on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 611, I have the right to dispute information that is inaccurate, incomplete, or unverifiable. I demand a full investigation of the following items and request their removal or correction if they can not be verified. The presence of these inaccuracies has caused severe financial harm, emotional distress, and damage to my reputation. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$480.00} Date Opened : XX/XX/XXXX Issue : Chargeoff Law : FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to report accurate account status Story : I dispute this chargeoff as it is inaccurate and unverifiable. No documentation has been provided to confirm that this debt was ever charged off or that the account balance is correct. This false entry has caused severe financial harm, including repeated denials for loans, higher interest rates, and increased scrutiny from financial institutions. Beyond financial impact, it has caused stress, humiliation, and reputational harm. Being falsely labeled with a chargeoff damages my credibility and financial standing and violates my rights under FCRA. The continued reporting of this inaccuracy has had a lasting negative impact on my ability to access credit responsibly XXXX  XXXX High Balance : {$6900.00} Date Opened : XX/XX/XXXX Issue : Chargeoff Law : FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to provide accurate reporting Story : I dispute this reported chargeoff. I have not received verification or proper notice validating this accounts status as charged off. This false reporting has caused me repeated denials for credit cards, personal loans, and even auto financing. The financial hardship caused by this incorrect reporting is substantial, and the stress and anxiety associated with defending my creditworthiness have been overwhelming. This inaccuracy misrepresents my financial responsibility, damages my professional and personal reputation, and violates my rights under FCRA. The presence of this false chargeoff on my credit report continues to cause significant obstacles in maintaining a stable financial life. 
XXXX XXXX XXXX * High Balance : {$12000.00} Date Opened : XX/XX/XXXX Issue : XXXX XXXX : FCRA 623 ( a ) ( 1 ) ( A ) requires accurate reporting ; FDCPA 807 prohibits misrepresentation Story : This chargeoff is incorrectly attributed to me. I have never received proper validation for this debt, and its reporting is misleading and inaccurate. Because of this false entry, I have been denied credit, subjected to higher interest rates, and forced to spend significant time and resources attempting to correct this mistake. The emotional and financial consequences are severe, including stress, reputational harm, and financial setbacks. Misreporting such serious account issues not only violates FCRA and FDCPA but also has a direct and negative impact on my ability to participate in essential financial activities. The continued presence of this inaccurate information jeopardizes my creditworthiness and financial security. Item : XXXX XX/XX/XXXX Issue : Unauthorized Hard Inquiry Law : FCRA 604 ( a ) prohibits reporting inquiries without consumer consent Story : I did not authorize this inquiry. Its presence on my report has lowered my credit score, caused lenders to question my financial stability, and led to denial of credit opportunities. The inclusion of an unauthorized inquiry undermines my trust in the reporting system and imposes both financial and emotional stress. 
XXXX XX/XX/XXXX Issue : Unauthorized Hard Inquiry Law : FCRA XXXX ( a ) requires explicit consumer consent for inquiries Story : This inquiry was not authorized by me. Its reporting has caused repeated denials for loans and negatively affected my interest rates. Unauthorized inquiries misrepresent my credit activity, harm my creditworthiness, and create unnecessary financial obstacles. 
I demand that all disputed items be thoroughly investigated, and any unverifiable or inaccurate information be immediately removed or corrected pursuant to FCRA XXXX. I also request written confirmation of the results of your investigation. Failure to comply with these obligations will leave me with no choice but to pursue all legal remedies available to me under FCRA and related statutes.

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