Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am filing this complaint because a XXXX late payment is being reported on Account # XXXX even though the account : Is closed, Shows {$0.00} balance, Is rated Paid or Paying as Agreed, And the furnisher has never provided proof of delinquency. 
This violates FCRA 607 ( b ) and 611 because a negative entry can not remain unless it is fully verified and accurately reported. 



1. No past-due balance exists making a XXXX late impossible. 

A true XXXX late requires : A missed billing cycle, AND A past-due balance showing at least XXXX  days of delinquency. 
But the account shows : {$0.00} past due, {$0.00} balance, Pays as agreed, No delinquency sequence before or after. 
This makes the late payment unverifiable and mathematically impossible. 



2. Previous dispute was marked Account information disputed by consumer, but no validation was provided. 

During the prior dispute, neither the bureau nor the furnisher provided any of the required documentation : No billing statements showing a missed payment No payment ledger No notice of late payment No proof of delinquency FCRA 611 requires the furnisher to provide actual evidence, not a generic response. 

Because no documentation exists, the late payment can not legally remain.

3. Contradictory reporting makes the data inaccurate under FCRA 607 ( b ).

The account simultaneously reports : Current/ Pays as agreed 30-day late {$0.00} balance Closedon-time rating These contradictions violate
the maximum possible accuracy standard and require correction or deletion.

REQUESTED RESOLUTION FOR SECTION 1 I request that the CFPB require the credit bureau and furnisher to : Delete the inaccurate XXXX late payment from Account # XXXX, OR Provide full documentation of the alleged delinquency ( billing statements, payment ledger, notices ).

Update the account to reflect : Closed / {$0.00} Balance/ Pays as Agreed / Never Late. 
If the furnisher can not verify with documentation, FCRA mandates deletion.

SECTION 2 UNAUTHORIZED / UNVERIFIABLE HARD INQUIRIES I am also disputing several hard inquiries reporting on my credit file that I did not authorize, did not apply for, or are incorrectly classified.

Under FCRA 604, a creditor must have : A permissible purpose, AND Consumer authorization before pulling a hard inquiry. These furnishers have not provided either. 



A. Inquiries With No Permissible Purpose XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX I never authorized this inquiry. No application was submitted. No account was opened. 

XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX Financing Date : XX/XX/XXXX I did not authorize the dealer to run multiple auto inquiries. No application exists. 

XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX No application was submitted. No digital consent. No account. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX No authorization was provided. They can not show XXXX logs, e-signature, or a submitted application. 



B. Inquiries Incorrectly Classified as Mortgage Department These are materially inaccurate and misleading. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Listed as Bank Mortgage Department when no mortgage inquiry was made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Listed as Bank Mortgage Department even though this was a credit card.

FCRA 607 ( b ) requires accurate classification.

C. Inquiries Without Authorization OR Completed Application XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I never submitted an application. No credit was extended. No permissible purpose exists. 



FCRA Violations Identified 1. FCRA 604 No permissible purpose for the inquiry None of these companies provided : Signed application Digital authorization IP consent logs Loan documentation 2. FCRA 611 Failure to verify during dispute A creditor must prove authorization. If they can not, deletion is required.

3. FCRA 607 ( b ) Inaccurate classification Credit card inquiries reported as mortgage inquiries violate accuracy standards.

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