Consumer complaint received 2025-07-19 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 submitting this complaint because TransUnion is reporting numerous inaccurate, misleading, and unverifiable negative items on my credit report. Despite the fact that these accounts include errors related to late payments during federal forbearance periods, outdated closed accounts, and unauthorized inquiries, TransUnion has failed to take proper corrective action even after disputes were raised. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), the CARES Act, and other applicable federal protections. 

Below are the disputed items along with legal violations and the reasons why these must be immediately removed or corrected : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} Late Payments * * Issue : Late payment reported during federally approved forbearance Law : FCRA 1681s-2 ( a ) ( 1 ) ( A ), CARES Act Section 4021 Story : I was under an active forbearance due to XXXX hardship. No payment was due. Reporting this as late is inaccurate and unlawful. 

XXXX XXXX # XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00} Late Payments XXXX XXXX  Issue : Delinquency reported in violation of CARES Act Law : FCRA XXXX ( b ), CARES Act Section 4021 Story : The account was in administrative suspension. No delinquency occurred, yet it was falsely reported. 

XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3400.00} Late Payments XXXX XXXX Issue : False late mark despite non-payment protection Law : FCRA 1681s-2 ( b ) ( XXXX ) ( D ) Story : Servicer confirmed no due payment existed, yet TransUnion continues to report inaccurate data. 

XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4200.00} Late Payments XXXX XXXX  Issue : Inaccurate reporting during forbearance Law : FCRA 1681i Story : No payment was required or missed, yet delinquency was recorded without basis. 

XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Late Payments XXXX XXXX  Issue : Negative entry conflicts with federal reporting guidance Law : FCRA 1681s-2 Story : TransUnion failed to ensure XXXX account was marked as current as required by the CARES Act. 

XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$7300.00} Late Payments XXXX XXXX Issue : Late payment during forbearance Law : FCRA 1681c Story : Reporting is inaccurate, misleading, and not in line with federal protection protocols. 

XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4400.00} Late Payments XXXX XXXX  Issue : Inconsistent data with original servicer records Law : FCRA 1681s-2 Story : Late mark added without authorization and contradicts account history. 

XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4500.00} Late Payments * * Issue : Inaccurate delinquency reporting Law : FCRA 1681i Story : The CRA failed to properly investigate my dispute regarding this entry. 

XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} Late Payments * * Issue : Error in reporting non-payment Law : FCRA 1681e ( b ) Story : Original creditor confirmed account was in good standing. Entry is false. 

XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payments XXXX XXXX Issue : Obsolete account still reporting negative data Law : FCRA 1681c ( a ) ( XXXX ) Story : This account has been closed for over a decade with no activity. It should not be on my report. 

XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payments * * Issue : Outdated and closed account still showing harmful history XXXX : FCRA XXXX Story : Reporting these late marks is damaging and against credit reporting time limits. 

XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payments XXXX XXXX Issue : Late payments on a paid and closed loan Law : FCRA XXXX Story : Account was paid off. XXXX continued negative history is unlawful. 

XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payments XXXX XXXX Issue : Re-aging of closed tradeline Law : FCRA 1681c Story : TransUnion is reporting it as current delinquency which is not true. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payments * * Issue : XXXX balance closed account showing negative marks Law : FCRA 1681e ( b ) Story : This is misleading and harms my credit score unfairly. 

XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payments * * Issue : Incomplete and stale information Law : FCRA 1681c Story : Reporting this violates time-based removal policies. 

XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00} Charge Off * * Issue : Inaccurate charge-off and unresolved dispute Law : FCRA 1681s-2 ( b ), FDCPA 807 ( 8 ) Story : I previously disputed this account. No proof of debt or validation has been provided. It must be removed. 

XXXX XXXX Inquiry XX/XX/XXXX and XX/XX/XXXX Issue : Unauthorized hard inquiries Law : FCRA 604 ( a ) ( 3 ) Story : I did not apply for credit or give consent for these inquiries. They are damaging and should be removed immediately.

Relief Requested : I am requesting the CFPB to compel TransUnion to conduct a full reinvestigation and permanently delete all the above-listed items that are inaccurate, outdated, unverifiable, or in violation of the law. I am also requesting written confirmation of the deletions or corrections made. 
Thank you for your time and support in holding TransUnion accountable for these errors that have caused significant emotional, financial, and credit-related distress.

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