Consumer complaint received 2025-10-03 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 to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccuracies on my credit report that have caused me severe financial harm, stress, and confusion. I demand a thorough investigation, correction, and deletion of all inaccurate and unauthorized entries as outlined below. I have carefully reviewed my credit report and dispute the following items for the reasons specified. 

Account XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$0.00} Late Payment * This account has been inaccurately reported as late. I have never received any notification, statement, or documentation supporting a late payment. Under 15 U.S.C. 1681i ( a ), the bureau must conduct a reinvestigation and remove unverifiable or inaccurate information. Reporting a late payment when none exists damages my credit and misleads potential lenders. The reporting of this account in a delinquent status demonstrates negligence or failure to obtain verified information from the original creditor. I request that the bureau contact the furnishers and provide proof of any late payment, including signed statements or billing history. Any unverifiable information must be deleted immediately. I have consistently maintained my payment obligations, and this account misreporting violates my rights under the FCRA. The failure to correct prior disputes shows noncompliance with proper procedures. This inaccuracy has caused material harm to my creditworthiness. Accurate reporting is required, and I insist on verification. In the absence of verifiable proof, deletion is mandated. Failure to address this late payment could lead to further harm in lending decisions. I demand a written confirmation of correction once resolved. This account is misleading and must be corrected immediately. 

XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX, XXXX {$0.00} Late Payment * * The late payment status on this account is false and unverifiable. I have never received statements, demands, or any notice confirming a late payment. Under FCRA 611 ( a ) ( 1 ), inaccurate or unverifiable information must be deleted. This reporting negatively affects my credit rating and may lead to improper lending decisions. Previous disputes were ignored or not properly reinvestigated. I request proof of any payment delinquency with supporting documentation from the creditor. Unverified reporting constitutes willful or negligent violation of FCRA. Continued listing of this item in a late status misrepresents my credit history and harms my financial reputation. Any unverifiable or inaccurate information should be immediately removed. I demand confirmation of deletion and correction. Failure to verify per FCRA 611 ( a ) ( 5 ) requires that the account be deleted. Reinvestigation is mandatory and must comply fully with federal law. Misreporting this account causes tangible financial harm and is a direct violation of my rights. I require proof that the furnishers have been contacted and all inaccurate information removed. 

XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$0.00} Late Payment * * This account has been inaccurately reported as late. I have no record of any late payment and have consistently complied with all terms. Per 15 U.S.C. 1681i, the bureau must investigate disputed information and ensure its accuracy. Reporting a late payment falsely damages my creditworthiness. Previous disputes did not result in correction. I request all supporting documentation for the reported delinquency, including account statements, payment history, and communications from the creditor. Any unverifiable late payments must be removed. Inaccurate reporting violates my rights and misleads lenders. I insist on immediate correction or deletion. Misreporting creates unnecessary financial risk and reputational harm. Failing to verify or correct this information constitutes a breach of FCRA 611. Reinvestigation must be thorough, and I require written confirmation upon resolution. This accounts current reporting status is inaccurate and harmful. Proper verification is essential to maintain consumer rights. I demand immediate deletion if verification can not be produced. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, XXXX {$2300.00} Charge-off * * This charge-off is incorrect and unverifiable. I dispute the reported balance and status. Under FCRA 611, any information that can not be verified must be removed. I have no record or acknowledgment of a delinquent account with XXXX that would justify this charge-off. Previous reinvestigations were insufficient. I request supporting evidence including account statements, contracts, and billing history. Unverified charge-offs must be deleted immediately. Reporting an unverifiable charge-off harms my credit score and creates misleading impressions for lenders. I demand a thorough reinvestigation and written confirmation of deletion. Any continued reporting without verification violates FCRA 1681i ( a ) ( 1 ). Accurate reporting is required by law. Failure to remove unverified or incorrect charge-offs constitutes willful or negligent noncompliance. The account has materially harmed my financial reputation. I require that the bureau ensure all furnishers update and correct reporting. 

XXXXXXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX, Balance {$58.00} Charge-off * * This accounts charge-off status is inaccurate. I have never agreed to any terms that justify a charge-off. FCRA 611 requires the bureau to remove unverifiable information. Reporting this charge-off without evidence is a violation of federal law. I demand verification from the original creditor, including payment history and documentation supporting the charge-off. If unverifiable, deletion is mandatory. Previous disputes did not result in proper reinvestigation. The continued reporting damages my credit and misleads lenders. I require written confirmation once this account is corrected or deleted. Failure to remove unverified information is noncompliance with FCRA 1681i. This accounts presence harms my creditworthiness and financial reputation. I insist on prompt action and removal if verification can not be provided. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$19000.00} Late Payment * * I dispute the reported late payment on this account. I have no records indicating any delinquency. Under FCRA 611, unverifiable information must be removed. Prior reinvestigations were inadequate. I request the bureau obtain complete supporting documentation from the creditor. Any unverifiable late payments must be deleted immediately. Reporting inaccurate late payments harms my creditworthiness and violates my rights. I demand thorough reinvestigation and written confirmation of correction or deletion. Continued reporting of unverified late payments is a direct violation of FCRA 1681i ( a ) ( 1 ). I require all inaccurate information removed promptly. Misreporting creates financial harm and misrepresentation. I insist on proper verification or deletion. This item must be corrected to maintain compliance with federal law. I request confirmation once resolved. 

XXXX XXXX XXXXXXXX, Opened XX/XX/XXXX, Balance {$170.00} Collection This collection is inaccurate and unverifiable. Under FCRA 611, unverifiable collections must be removed. I dispute the existence of this debt and request verification including account statements, communications, and payment history. Prior reinvestigations failed to correct this record. Continued reporting of unverifiable collections harms my credit score and misleads lenders. I demand removal if verification can not be provided. Reporting inaccurate collections violates FCRA 1681i ( a ). I require written confirmation of deletion once resolved. Misrepresentation of this account constitutes ongoing harm. I insist that the bureau take corrective action immediately. Unverified information must be removed to comply with federal law. Proper documentation must be obtained or deletion implemented. 

Inquiry XXXX XX/XX/XXXX I did not authorize this inquiry. Under FCRA 604 ( a ), my consent is required for any credit pull. Reporting this inquiry without my authorization violates federal law and misrepresents my credit activity. Unauthorized inquiries negatively affect my credit score and lending decisions. Previous disputes did not result in correction, showing insufficient reinvestigation. I demand the bureau verify authorization with the furnisher. If verification can not be provided, this inquiry must be deleted immediately. Continued reporting of unauthorized inquiries harms my financial reputation. Written confirmation of deletion is required. Deletion is legally mandated if unverifiable. 

XXXX XXXXXX/XX/XXXX I never provided consent for this inquiry. FCRA 604 ( a ) requires explicit authorization for all credit pulls. The continued reporting of this inquiry falsely suggests my approval. Unauthorized inquiries reduce my credit score and mislead lenders. Previous disputes were ignored or incomplete. I request verification from the creditor. If no proof exists, deletion is required immediately. Continued reporting violates 1681i ( a ). Written confirmation of removal is required. Each unauthorized inquiry materially impacts my creditworthiness. 

I request that CFPB oversee a comprehensive review of these inaccuracies and ensure full compliance with all relevant laws, including the Fair Credit Reporting Act ( FCRA ) and related federal regulations. All inaccurate accounts, late payments, and unauthorized inquiries should be corrected or deleted immediately. My rights to fair, accurate, and verifiable credit reporting have been violated, and I expect timely resolution of these disputes. CFPB intervention is critical to ensure that these errors are removed, my credit file is corrected, and further harm is prevented.

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 explanation