Consumer complaint received 2025-09-21 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 ) because my credit reports are reporting inaccurate and incomplete information that is causing harm to my credit standing and my ability to obtain fair credit opportunities. I have tried to resolve these errors directly with the credit bureaus and the furnishers of information but the results have been unsatisfactory and the accounts continue to report inaccurately. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) which requires that all information reported must be 100 % accurate, verifiable, and timely under FCRA 602, 603, 604, 607, 609, 610, 611, and 623. I am demanding CFPBs assistance in having these accounts fully investigated, verified with proper documentation, and corrected or deleted if the information can not be proven with legally required documentation. The following accounts are in dispute : Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$500.00} This account is reporting late payments that are completely inaccurate and harmful to my credit profile. I have already disputed this account twice and have not been provided with a single original statement or payment history validating the alleged delinquency. Under FCRA 623 ( a ) ( 1 ) ( A ) furnishers must not report information they know or should know is inaccurate, and under 623 ( b ) they are required to conduct an investigation and report the results back to the credit bureau. The reporting of false late payments damages my creditworthiness and misrepresents my payment history to potential lenders. If the bureau can not obtain original documentation with my signature and complete transaction records from the furnisher, this data must be corrected or permanently deleted. The continued appearance of this inaccurate information after multiple disputes constitutes willful noncompliance with the FCRA. 

Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} This account continues to report late payments even though it shows a XXXX balance, which creates a misleading and inaccurate portrayal of my credit history. Under FCRA 607 ( b ), the credit bureau must follow reasonable procedures to assure maximum possible accuracy of the information it reports. Late marks on a paid account falsely suggest I was delinquent, lowering my credit score and preventing me from obtaining fair credit opportunities. Despite my previous disputes, no original contract or payment records have been provided to justify the derogatory information. Under FCRA 609 ( a ), I am entitled to review the documentation used to verify this data. If such documentation can not be produced, the late payments must be removed immediately to prevent further harm to my credit reputation. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} This account is being reported as a charge-off, which is a severe derogatory status that has not been properly validated. Under FCRA 609 ( a ) ( 1 ), I have the right to see every piece of information relied upon for reporting this charge-off, including the original signed agreement, complete payment history, and the date of first delinquency. No such documentation has been provided despite repeated requests. A charge-off can not be legally reported if it is inaccurate or unverifiable, and continued reporting without validation is a direct violation of FCRA 611. This false charge-off severely impacts my credit score and my ability to obtain credit. If the bureau can not obtain full validation from the furnisher, this charge-off must be permanently deleted to comply with federal law. 

Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00} Late Payment * * This account is still showing late payments after two previous disputes where you failed to provide proper documentation. Under FCRA 611 ( a ), you are required to conduct a reasonable reinvestigation and provide the method of verification including original records. You have not produced any signed contract or payment history to confirm that these late marks are valid. Reporting negative information without documentation is a violation of my right to maximum possible accuracy under FCRA 607 ( B ). These late payments are severely lowering my credit score, causing financial harm, and limiting my ability to get affordable credit. I am requesting that you either provide complete documentation including the date of delinquency, original creditor verification, and full account history or permanently delete this account. Continued reporting without verification is considered willful noncompliance and subject to civil liability under FCRA 616 and 617. This account must be corrected or removed immediately. 

Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3700.00} Late Payment * * This account continues to report late payments that I have disputed multiple times. FCRA 623 ( a ) ( 3 ) requires data furnishers to update or correct information that is incomplete or can not be verified, and FCRA 611 requires you to remove unverifiable data. To date, no original documentation has been provided to prove that the late marks are accurate. Reporting information without proof constitutes negligent noncompliance and is damaging to my creditworthiness. This inaccurate reporting has resulted in higher interest rates and denials of credit opportunities. I demand that you reinvestigate this account, contact the original creditor, and provide me with a copy of all signed contracts, statements, and payment history that substantiate the late payments. If you can not do this, you must delete this account immediately in accordance with federal law. Failure to comply will result in formal complaints to the CFPB and state regulators. 

Account : : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2300.00} Late Payment * * Despite previous disputes, this account remains inaccurately reported with multiple late payments. Under FCRA 609 and 611, you must verify the accuracy of every item on my credit report and provide documentation upon request. You have not supplied proof of these alleged late payments, making this account unverifiable. Continuing to report unverifiable data is a violation of FCRA 607 ( B ). This negative reporting is damaging my credit profile, making it harder to obtain fair credit terms, and causing unnecessary financial stress. I am demanding a reasonable reinvestigation and a copy of the payment history, contract, and original creditor verification. If you can not prove the validity of this information, you must delete this account to remain compliant with federal law. Noncompliance will be documented and reported as a willful violation. 

I am asking CFPB to review this complaint and intervene to ensure that all the above accounts are either fully verified with original documentation including contracts, payment ledgers, and signed records or immediately deleted from my credit reports in compliance with FCRA 602, 607, 609, 611, and 623. The continued reporting of unverifiable late payments is damaging my credit profile and violates federal law. I respectfully request CFPBs help to enforce my consumer rights and ensure my credit reports reflect only accurate, complete, and verifiable information.

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