Consumer complaint received 2025-07-21 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: PA

Complaint narrative:
Dear CFPB Officer, I am submitting this formal complaint regarding multiple inaccurate, unverifiable, and misleading listings on my credit report that I believe are in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the CARES Act. Despite my good faith efforts in contacting the credit bureaus and creditors directly, these accounts and credit inquiries remain unresolved. 
Below is a comprehensive breakdown of the problematic accounts and inquiries, categorized by issue, law, and related facts : XXXX # XXXXXXXX XXXX XXXX | Opened : XX/XX/year> | Balance Owed : {$2100.00} | Status : Late Payments * * Issue : Repeated late payments were reported even though payments were delayed due to verified banking errors and not customer default. I even submitted disputes but no reasonable reevaluation occurred. 
Law : Under the FCRA and ECOA ( Equal Credit Opportunity Act ), lenders must provide fair reinvestigation and rectify if consumer is not at fault. 
Story : In XXXX and XXXX of 2024, I experienced fraudulent activity on my checking account, which led my bank to freeze payments temporarily pending fraud investigation. Although I notified this company in a timely manner, late payments were still recorded. These had nothing to do with my creditworthiness or irresponsibility. I request correction or removal based on faulty reporting. 

Commercial Credit Inquiries Various Dates XXXX Including : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Issue : Majority of these hard inquiries were unauthorized, or made within a short time during auto-loan shopping should be treated as XXXX inquiry under XXXX scoring practices. 
Law : Under 604 of the FCRA, inquiries must be authorized and should not negatively impact if treated as rate-shopping. 
Story : During early 2024, I was attempting to buy a used car and visited multiple dealerships within a two-week window. I was told this would not count against my score if completed in a short span. Unfortunately, multiple inquiries were made without my single consent and are now reflecting separately. They do not represent new debt and are harming my profile. I request removal or proper treatment under XXXX auto-loan inquiry rules. 
In light of the above, I respectfully request a full reinvestigation under FCRA 611 within the 30-day dispute period. Please provide written confirmation of the outcome and copies of any documentation used in your verification process.

What I Am Requesting from the CFPB : 1. Conduct a full investigation into each listed creditor and CRA ( XXXX XXXX, TransUnion ) for possible legal violations.

2. Require written verification and proof for all debt and account reporting according to 611 and 809.

3. Order the removal or correction of all erroneous accounts, status violations, unauthorized hard inquiries, and fraud-related listings based on documentation I've submitted.

4. Ensure that creditors comply with FCRA, FDCPA, and CARES Act protections, especially in light of post-pandemic provisions.

Thank you for providing this platform to consumers like me to protect our rights. I am confident that the Consumer Financial Protection Bureau will take appropriate action to hold these companies accountable and help restore accuracy and fairness to my credit profile.

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