Consumer complaint received 2025-10-22 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 the repeated and continued reporting of inaccurate information, unlawful inquiries, and failure by the credit bureaus and furnishers to maintain reasonable procedures in compliance with the Fair Credit Reporting Act ( FCRA ). My credit report continues to contain false and unverifiable information that is damaging my reputation and financial stability. Despite previous disputes, these inaccuracies remain unresolved and indicate a violation of my rights under federal law. 

ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This address does not belong to me. Its inclusion links my profile to unrelated or fraudulent activity. According to FCRA 1681c ( a ) ( 4 ), all outdated or incorrect personal identifiers must be deleted immediately. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$100.00} Late Payment This account reflects false delinquency. I have never missed or been late on this account. Reporting late payments without full documentation violates FCRA 1681s-2 ( b ) and FDCPA 807 ( 8 ). It is the furnishers duty to verify accuracy before re-reporting. I demand immediate deletion of this account if proper verification can not be provided. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$33.00} Late Payment This account was closed and paid, yet it is still showing late marks. Continued reporting of false payment status is misleading and violates FCRA 1681e ( b ). The creditor failed to provide any proof during prior disputes, which shows negligent data handling. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$100.00} Late Payment I dispute this account as inaccurate. There is no supporting evidence that I was late, and no valid record ties this delinquency to me. Under FCRA 1681i ( a ) ( 1 ), I have the right to a full reinvestigation. This unverified entry must be deleted. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Chargeoff This charge-off is completely false. I never received any notice of default or final billing prior to charge-off. Reporting an account as charged-off without lawful verification breaches FCRA 1681s-2 ( a ) ( 1 ) ( A ) and constitutes inaccurate data reporting. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$180.00} Late Payment I dispute the validity of this late payment status. The account was closed in good standing, but the creditor failed to update the credit file accordingly. FCRA 1681c ( a ) ( 5 ) and 1681e ( b ) require accuracy and completeness. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$320.00} Late Payment This account is incorrectly reflecting missed payments. I have documentation showing consistent payments on time. XXXX otherwise violates the FCRAs accuracy requirement. If the furnisher can not provide complete records, deletion is mandatory. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$850.00} Chargeoff This entry is inaccurate and unverifiable. The charge-off status does not reflect the true payment history. Under FCRA 1681i ( a ), the bureau must delete unverifiable data within 30 days of reinvestigation. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment This account shows a false history of late payments even though the balance is {$0.00}, which contradicts itself. Maintaining contradictory data is a clear violation of FCRA 1681e ( b ). The entry must be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$17000.00} Late Payment I dispute these reported late payments as they are unsupported and misrepresent my payment history. FCRA 1681s-2 ( b ) requires furnishers to correct and update information that is incomplete or inaccurate. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$21000.00} Late Payment This account inaccurately lists late payments that never occurred. The information is unverifiable and fails the accuracy standards of 1681e ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Late Payment Repeated false reporting of late payments across multiple XXXX XXXX accounts shows negligent record keeping and systemic violation of the FCRA. If verification can not be provided, immediate deletion is required. 

INQUIRIES XXXX  XX/XX/XXXX This inquiry was not authorized by me, nor did I provide written or electronic consent for XXXX  to access my credit report. Reporting a hard inquiry without permissible purpose violates FCRA 1681b ( f ) and 604 ( a ) ( 3 ). 

XXXX XXXX XX/XX/XXXX I did not grant XXXX XXXX XXXX XXXX authorization to pull my report. This inquiry violates the FCRAs permissible purpose requirement. 

I am demanding the deletion of all unverifiable and inaccurate accounts, removal of unauthorized inquiries, and confirmation that my address and personal identifiers are corrected in full compliance with FCRA 611 ( a ) ( 5 ) and 623 ( b ). Failure to act promptly will result in further formal complaints and potential legal action for noncompliance.

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