Consumer complaint received 2025-09-17 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: LA

Complaint narrative:
I am writing to file a formal complaint against multiple creditors, furnishers, and collection agencies who are currently reporting inaccurate, unverifiable, and misleading information on my credit reports, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and related consumer protection laws. 

The following accounts are being reported inaccurately : XXXX XXXX XXXXXXXX XXXX  High Balance : {$210000.00} Opened : XX/XX/XXXX Late Payment XXXX  XXXX High Balance : {$5600.00} Opened : XX/XX/XXXX Charge Off XXXX XXXX XXXXXXXX High Balance : {$710.00} Opened : XX/XX/XXXX Late Payment XXXX XXXX XXXX XXXX  High Balance : {$550.00} Opened : XX/XX/XXXX Late Payment XXXX XXXX XXXXXXXX High Balance : {$1300.00} Opened : XX/XX/XXXX Late Payment XXXX XXXX High Balance : {$650.00} Opened : XX/XX/XXXX Charge Off XXXX XXXX XXXX XXXX XXXX High Balance : {$2900.00} Opened : XX/XX/XXXX Charge Off XXXX XXXXXXXX XXXX  High Balance : {$600.00} Opened : XX/XX/XXXX Late Payment XXXX XXXXXXXX XXXX High Balance : {$660.00} Opened : XX/XX/XXXX Charge Off XXXX XXXX XXXXXXXX XXXX  High Balance : {$1300.00} Opened : XX/XX/XXXX Late Payment XXXX  XXXXXXXX XXXX High Balance : {$1000.00} Opened : XX/XX/XXXX Late Payment XXXXXXXX XXXX XXXXXXXX High Balance : {$40000.00} Opened : XX/XX/XXXX Charge Off XXXX XXXXXXXX XXXX High Balance : {$18000.00} Opened : XX/XX/XXXX Charge Off XXXX XXXX XXXX  High Balance : {$39000.00} Opened : XX/XX/XXXX Late Payment XXXX  XXXX High Balance XXXX {$27000.00} Opened : XX/XX/XXXX Charge Off XXXX XXXX XXXX  High Balance : {$25000.00} Opened : XX/XX/XXXX Charge Off XXXX  XXXX High Balance XXXX {$28000.00} Opened : XX/XX/XXXX Late Payment XXXX  XXXXXXXX XXXX  High Balance : {$540.00} Opened : XX/XX/XXXX Collection XXXX XXXX XXXX High Balance : {$2500.00} Opened : XX/XX/XXXX Collection XXXX XXXX XXXX XXXX High Balance : {$1000.00} Opened : XX/XX/XXXX Collection Basis of My Complaint : Unverified Reporting : Creditors and XXXX have failed to provide legally required documentation validating these accounts as required by FCRA 609 and FDCPA 809 ( b ). 

Inaccurate & Misleading Information : Several accounts show inconsistent dates, high balances, and statuses that are factually incorrect and damaging to my creditworthiness. 

Failure to Investigate : Despite my prior disputes with credit bureaus, furnishers have either ignored or failed to conduct a reasonable investigation under FCRA 611.

Violation of Consumer Rights : Continuing to report unverifiable or inaccurate information is a willful violation of my consumer rights and constitutes grounds for regulatory enforcement.

Requested Relief : I respectfully request that the CFPB : Investigate the unlawful reporting practices of the above furnishers and collectors. 

Compel immediate deletion of all accounts that can not be verified with complete and accurate documentation. 

Ensure compliance with FCRA, FDCPA, and all applicable regulations. 

Hold furnishers accountable for negligence and willful 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