Consumer complaint received 2025-07-10 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:
To Whom It May Concern, I am formally filing a dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate, incomplete, and unverifiable information on my credit report. The following items are listed with issues, applicable laws, and a detailed explanation. I request immediate reinvestigation and deletion where verification can not be substantiated in writing ACCOUNT DISPUTES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$500.00} Late Payment LAW ISSUE : FCRA 1681s-2 ( a ) prohibits furnishing inaccurate information to CRAs ISSUE : I was not late on this account and this reporting is false STORY : I maintained timely payments, and the record of lateness is an error. I demand proper investigation and removal if not validated in writing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment LAW ISSUE : FCRA 1681i ( a ) requires reinvestigation of disputed items ISSUE : Late payment is incorrectly listed STORY : I dispute the claim of a late payment on a {$0.00} balance. This is likely a reporting error after payoff and must be corrected immediately XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment LAW ISSUE : FCRA 1681e ( b ) mandates accuracy of all reported items ISSUE : Account shows false late payment despite zero balance STORY : My account was paid in full and closed. This late payment mark is not only wrong but also hurting my credit reputation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Chargeoff LAW ISSUE : FCRA 1681s-2 ( b ) obligates furnishers to correct inaccurate data after notice ISSUE : Account listed as charge-off in error STORY : I was actively communicating with the lender for a resolution. Labeling this account as charged-off without proper investigation is inaccurate and harmful XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2100.00} Late Payment LAW ISSUE : FCRA 1681i ( a ) and 1681s-2 ISSUE : Inaccurate reporting of late payments STORY : I faced temporary hardship due to job loss during the pandemic. I notified the servicer and requested forbearance. Late marking during this time is unfair and should be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3700.00} Late Payment LAW ISSUE : FCRA 1681s-2 ( a ) inaccurate reporting ISSUE : Lateness not properly substantiated STORY : Like the above, my student loans were under financial hardship and communication was maintained. These late payments misrepresent the situation and are unjust XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2300.00} Late Payment LAW ISSUE : FCRA and CARES Act protections ISSUE : Late payment during federally declared hardship STORY : The reporting ignores COVID-19 relief measures and updates. This should be corrected immediately and documentation produced if verified TAB/SUNBIT XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$200.00} Late Payment LAW ISSUE : FCRA 1681i ( a ) ISSUE : Reporting appears inaccurate or incomplete STORY : This was a small retail installment. Any delay in reporting is due to internal billing delays, not my default. I demand proof of lateness or removal HARD INQUIRY DISPUTES XXXX XX/XX/XXXX LAW ISSUE : FCRA 1681b ISSUE : Duplicate inquiry STORY : This is another entry from XXXX without my approval. I never authorized any of these applications XXXX XX/XX/XXXX LAW ISSUE : FCRA 1681b ISSUE : Inquiry was not consumer-initiated STORY : This car dealership performed a hard inquiry without my consent. It is an abuse of my credit information and must be removed Conclusion I request your agency compel the credit reporting bureaus to perform a full reinvestigation into each of these items within 30 days per FCRA 611. If any of these items can not be verified with full documentation, they must be deleted from my credit file permanently. I have the right to accurate, fair, and substantiated reporting, and I demand compliance with all applicable federal laws.

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