Consumer complaint received 2025-08-14 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 to the Consumer Financial Protection Bureau regarding multiple inaccuracies, unauthorized items, and reporting violations on my consumer credit report. These items are causing significant harm to my creditworthiness, financial opportunities, and overall reputation. I am requesting a thorough investigation, deletion of all inaccurate data, and immediate compliance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable laws. The credit bureaus and furnishers are legally obligated to ensure the maximum possible accuracy of the information they report, yet these items remain despite prior disputes and clear evidence of inaccuracy, non-verification, or improper reporting. Below I am listing each disputed item with specific legal violations and supporting explanation for removal. 
ACCOUNT XXXX XXXX XXXX XXXX High Balance {$870.00} Date Opened XX/XX/year> Late Payment * * Law : FCRA 607 ( b ), 611 ( a ), 15 U.S.C. 1681s-2 You must maintain maximum possible accuracy and can not continue reporting unverifiable derogatory information Issue : Late payment reporting is inaccurate and unsupported by verifiable payment history from the original creditor Story : I have requested proof of alleged late payments including billing statements and payment histories, none have been provided, this accounts payment history is misreported and harmful to my creditworthiness, I demand deletion or correction to Paid as Agreed INQUIRY XXXX XXXX Date XX/XX/year> Law : FCRA 604 ( a ) ( 2 ), 604 ( f ) Written authorization required for permissible purpose Issue : No record of my consent or application with this company on file Story : This inquiry is unauthorized and not related to any legitimate credit application by me, I demand removal XXXX XXXX XXXX Date XX/XX/year> Law : FCRA 604 ( a ) ( 2 ), 604 ( f ) Must have legitimate business need in connection with a credit transaction initiated by consumer Issue : No permissible purpose exists for this inquiry Story : I did not initiate any transaction or financing request with XXXX XXXX XXXX on this date, its reporting is damaging and must be deleted I am demanding the immediate deletion of all inaccurate addresses, unverifiable accounts, and unauthorized inquiries listed above. The credit bureaus and furnishers have failed to provide proper documentation despite their legal obligations under FCRA and FDCPA. If they can not produce original signed contracts, complete payment records, or proof of permissible purpose for each inquiry, these items must be deleted. These inaccuracies are causing me severe harm, including denial of credit, higher interest rates, and reputational damage. I request the CFPB to take enforcement action to ensure compliance and hold the reporting agencies and furnishers accountable.

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