Consumer complaint received 2025-08-07 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:
This is a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) regarding numerous inaccuracies and violations found on my credit report that are seriously affecting my financial reputation and opportunities I demand a full reinvestigation under the FCRA as these errors are unjustified and were never verified or validated properly despite my previous efforts I am exercising my rights under the FCRA to dispute these items and holding all reporting parties accountable including the credit bureaus and furnishers I am requesting immediate deletion and correction where applicable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ISSUE : This account is inaccurately reporting late payments which are not factual. 
STORY : I formally dispute the alleged late payment being reported under this account. I have no record or notice validating these missed payments, and I request a full reinvestigation. If the furnisher can not provide full validation with original signed documentation, the negative payment history must be removed immediately under my FCRA rights. This error is unjustly harming my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LAW : FCRA 609 ( a ), 611 ( a ), 602 ( a ), 623 ( b ), FDCPA 807 ( 8 ) ISSUE : This collection account is unverified and inaccurately reported.

STORY : I dispute the reporting of this collection as I have never received any validation from the original creditor or collector. This may be the result of a fraudulent account or erroneous reporting. Unless full proof of ownership and validation of debt is provided, including signed agreement and payment history, this account must be deleted immediately per the FCRA and FDCPA guidelines. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX LAW : FCRA 604 ( a ) ( 3 ), 607 ( a ), 616, 615 ( a ) ISSUE : This inquiry was unauthorized and without my knowledge.

STORY : I never applied for credit or initiated any transaction that would allow this company to access my report. Under the FCRA, this inquiry lacks legal basis and must be removed for violating my privacy and causing potential harm to my credit profile. 

I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my credit report continues to reflect inaccurate and unverifiable information despite my rights under federal law These errors are damaging my credit and preventing me from securing housing and financial opportunities I am requesting an immediate and complete investigation by the CFPB and demand that all unverifiable inaccurate and unauthorized items listed above be removed from my credit report promptly under my rights in the FCRA.

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