Consumer complaint received 2025-09-09 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 formally notifying the Consumer Financial Protection Bureau of multiple erroneous items on my credit report, including a wrong address and fraudulent accounts. These inaccuracies violate FCRA Sections 1681i, 1681e ( b ), 1681s-2, 609 ( a ), 611, and 623 ( a ) ( 1 ), which require accurate and verifiable reporting. The false reporting has resulted in harm to my financial standing, denial of credit opportunities, and emotional stress. I request the CFPBs intervention to ensure thorough reinvestigation, verification, and removal of unverifiable items. 

Accounts XXXX XXXXXXXXXXXX XXXX High Balance : {$190.00} Date Opened : XX/XX/XXXX Chargeoff This account is still being reported as a chargeoff even though there is no evidence provided that proves its accuracy or legitimacy. Under the FCRA, any account reported must be verifiable with complete documentation from the original creditor, including signed agreements and accurate payment histories. Reporting a balance as charged off while failing to show proof of default or ownership is a violation of 15 U.S.C. 1681i ( a ). The harm to me is substantial because it falsely indicates that I abandoned my obligation when in fact no substantiated proof has been provided. This continued reporting is reckless and in violation of the consumer protection standards required by federal law. 

XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$520.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX  The late payment information on this account is inaccurate and unverifiable. A late payment may only be reported if the furnisher has documented evidence that payments were actually received late according to contractual terms. No such records have been provided despite previous requests, which violates the duty under 15 U.S.C. 1681s-2 ( b ) requiring furnishers to conduct investigations and provide correct information. The misrepresentation of this payment history paints me as a delinquent borrower when I was not, and this has a negative effect on my credit standing, job opportunities, and financial wellbeing. Continued reporting without verification is unlawful. 

XXXX XXXX XXXX XXXX XXXX High Balance : {$500.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX This account continues to report late payments with no substantiation. The FCRA mandates that consumer reporting agencies ensure maximum possible accuracy, but this item remains despite the lack of supporting evidence. If a creditor can not produce account statements, payment histories, or contracts, then the data is unverifiable and must be removed. The continued appearance of this late payment violates my rights under 15 U.S.C. 1681e ( b ) and 1681i. The reporting unfairly damages my profile by suggesting a history of delinquency, when such claims have not been proven. 

XXXXXXXX XXXX XXXXXXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX XXXXe reporting of a late payment on an account with a balance of {$0.00} is illogical, misleading, and inaccurate. A XXXX balance account can not reasonably sustain delinquency claims unless backed by verified and documented proof. The creditor has failed to supply any valid evidence, and the bureau has failed to conduct a proper reinvestigation. Under 15 U.S.C. 1681i, the agency must delete information that can not be verified. Continuing to display this inaccurate negative mark misleads potential lenders and violates the duty to report truthful data only. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * This XXXX XXXX account is listed as a chargeoff with a balance of {$0.00}, which is contradictory and misleading. A chargeoff implies a financial loss to the creditor, but if the balance is {$0.00}, there is no debt to charge off. This inconsistency shows the item is inaccurate and unverifiable. Under the FCRA, credit bureaus can not knowingly continue to report contradictory or misleading data. The agencys failure to delete this false reporting after multiple disputes demonstrates non-compliance with 15 U.S.C. 1681e ( b ) and 1681i. This item is causing me significant reputational and financial harm and must be corrected immediately. 

XXXX XXXX XXXX XX/XX/XXXX XXXX This inquiry was unauthorized and never approved by me. The FCRA under 15 U.S.C. 1681b only allows inquiries with permissible purpose. There is no record of me applying for credit with this entity, making this an impermissible inquiry that must be removed to prevent further damage to my score. 

XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Inquiry This inquiry was not initiated by me and was made without my consent. The FCRA clearly limits inquiries to instances where a consumer has granted permission. Reporting this without my authorization is unlawful and harmful to my credit profile. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry I did not authorize this inquiry nor did I initiate any application for credit with XXXX XXXX XXXX. This is an impermissible use of my credit file under 15 U.S.C. 1681b and it should be deleted immediately.

I respectfully request the CFPB to ensure that all reporting agencies and creditors comply with the FCRA, verifying all disputed items or deleting them if unverifiable. The false reporting has caused financial damage, stress, and harm to my reputation. I expect confirmation in writing once all inaccuracies have been fully addressed.

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