Consumer complaint received 2025-09-10 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: MD

Complaint narrative:
This complaint is submitted to the CFPB to address multiple violations of my rights under the FCRA, including inaccurate reporting of charge-off accounts and an incorrect address. Sections 602, 607, 609, 611, 623, 1681i, 1681e ( b ), and 1681s-2 require reporting agencies and creditors to ensure that all information is fully verified and accurate. The presence of these false items has caused financial loss, emotional distress, and disruption of my creditworthiness. I demand immediate investigation, verification, and corrective action by the CFPB. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$250.00} Chargeoff This account is being inaccurately reported as a charge-off, yet no validation has been provided despite my repeated requests. Under Section 611 of the FCRA, when a consumer disputes an item, you must conduct a reasonable reinvestigation and provide verification if you intend to continue reporting it. To this day, I have received no proof of original agreements, no signed documents, no detailed payment history, and no evidence that the creditor has legal ownership of this debt. A charge-off is a serious derogatory mark and must be supported with verified records, not assumptions. Reporting unverifiable information violates Sections 609 and 623 of the FCRA. Furthermore, continuing to damage my credit standing with this inaccurate report after two disputes shows reckless disregard for the truth. If you can not produce documented evidence of this accounts validity, including the original contract and a complete accounting of the balance, you must delete it immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3.00} Late Payment This account is being reported with a late payment even though the balance is only {$3.00}, which is both unreasonable and inaccurate. A {$3.00} balance should never result in a derogatory mark that damages a consumers credit history. The FCRA Section 623 prohibits furnishers from reporting data they know or should know is inaccurate. There is no logical or factual basis to mark me delinquent over such a trivial amount, and no creditor has provided verified evidence that this late payment actually occurred. This inaccurate reporting has already caused harm to my creditworthiness by suggesting a history of nonpayment that is not true. It is impossible to justify continuing to report such damaging information when it is neither substantial nor accurate. By refusing to correct this mistake after repeated disputes, you are knowingly misrepresenting my payment history and violating my consumer rights. I demand this false late payment entry be deleted without delay. 

XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$460.00} Collection This collection account remains unverified and must be removed. A collection can only be reported if there is clear proof that the debt is valid, the amount is correct, and the collector has the legal right to collect. Despite my prior disputes, no proof has been provided to show an original signed agreement, a detailed statement of charges, or transfer of ownership rights. The FDCPA Section XXXX09 ( b ) requires that debt collectors provide validation upon request, and the FCRA Section 611 requires that unverifiable information be deleted. By keeping this collection on my file without any proper evidence, you are in direct violation of federal law. Reporting unvalidated debts damages my credit standing, lowers my score, and interferes with my ability to secure fair credit opportunities. Your continued reporting of this collection after repeated disputes demonstrates willful neglect. I demand its immediate deletion. 

XXXX : XXXX XX/XX/XXXX This inquiry is inaccurate, unauthorized, and damaging to my credit profile. I never gave written permission nor provided any application or consent for XXXX to access my credit on this date. Under the FCRA, no company has the legal right to place a hard inquiry on my credit without my explicit authorization. Re-reporting this inquiry after two previous disputes is proof that either you are not conducting a reasonable reinvestigation or the furnisher can not provide verifiable evidence of my authorization. The law clearly states that unverifiable items must be deleted. The continued presence of this inquiry is a direct violation of my consumer rights. If XXXX can not produce documented proof of permissible purpose under 15 U.S.C. 1681b, then this inquiry must be deleted immediately. 

I ask the CFPB to oversee the full reinvestigation and correction of all disputed items on my credit report, including the wrong address and all fraudulent or misreported accounts. The harm caused by these inaccuracies is significant, affecting my credit, finances, and personal well-being. I request written verification that all corrections have been implemented and enforcement of accountability where necessary.

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