Consumer complaint received 2025-06-23 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: CT

Complaint narrative:
This is my second formal complaint regarding unresolved, inaccurate, and unverifiable information appearing on my credit reports with all three bureaus. Despite previously disputing the following items, they continue to be reported without proper investigation, in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ).

Accounts in Question : XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX | High Balance : {$3200.00} Issue : Repeated late payments reported inaccurately.

Violation : No proper validation was provided. Under 15 U.S. Code 1681i, if a consumer disputes the completeness or accuracy of any item, the bureau must conduct a reasonable reinvestigation. No proof was sent. 

XXXXXXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX | High Balance : {$3300.00} Issue : Listed as charge off, yet I was never served any final demand or validation. 

Violation : This violates FCRA 623 reporting inaccurate data knowingly is unlawful. 

XXXX XXXX # XXXX Open Date : XX/XX/XXXX | High Balance : {$2000.00} Charge Off Open Date : XX/XX/XXXX | High Balance : {$1000.00} Charge Off Issue : Duplicate negative accounts from the same creditor.

Violation : Reporting the same account multiple times with negative statuses is misleading and violates FCRA 602 ( A ). 

XXXXXXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXXXXXX  | High Balance : {$11000.00} Charge Off Issue : The account is beyond the 7-year reporting period per FCRA 605 ( a ). 

Violation : It must be removed immediately as it's legally obsolete. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX | High Balance : {$120000.00} Late Payments Issue : Late payments occurred during a documented financial hardship due to medical leave, which was previously communicated. 

Violation : No accommodation or reinvestigation was conducted, violating FCRA XXXX. 

Unauthorized Hard Inquiries : I also discovered multiple unauthorized inquiries on my credit reports. I never initiated or authorized credit applications with the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX various dates from XX/XX/XXXX to XX/XX/XXXX These inquiries were made without permissible purpose, violating FCRA 604 ( a ) ( 3 ). No written authorization or legitimate business need was demonstrated. 

Requested Resolution : Under FCRA 611, I demand that the CFPB conduct a thorough review of the bureaus failure to investigate and the furnishers failure to validate. I am requesting : Full deletion of all the above-mentioned accounts and inquiries from all three credit bureaus.

A written explanation confirming the investigation results and action taken. 

Enforcement of my consumer rights under FCRA and CFPB guidelines. 

Final Statement : I am not only disappointed but also concerned about the lack of accountability. This is my second complaint, and I expect full resolution without the need for repeated disputes or regulatory escalation. Should these inaccuracies remain unresolved, I will consider legal action under FCRA 616 and 617 for willful or negligent 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