Consumer complaint received 2025-06-24 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: GA

Complaint narrative:
I am filing this complaint because TransUnion has reported inaccurate, outdated, and harmful information on my consumer credit file in violation of the Fair Credit Reporting Act ( FCRA ), particularly under 15 U.S.C. 1681e ( b ) which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy and 15 U.S.C. 1681i which mandates prompt investigation of disputes.

Despite repeated disputes, TransUnion continues to report derogatory and misleading information. This has caused me substantial harm, including credit denials, emotional distress, and unfair financial burden. I am requesting immediate investigation, correction, and deletion of the following inaccurate accounts and items XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$9800.00} Issue : Late Payment Reporting This account is inaccurately reporting late payments without validating the accuracy of those delinquencies.

I have not received proper notice or verification under 15 U.S.C. 1692g.

Reporting such derogatory marks without sufficient proof violates FCRA 15 U.S.C. 1681e ( b ).

Story : I was undergoing severe financial hardship due to job instability and medical expenses when these alleged late payments occurred. I communicated with the creditor requesting temporary relief or accommodation. Instead, they marked me late without honoring any flexibility or validating the debt timeline. TransUnion failed to conduct an adequate reinvestigation when I disputed it. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$1000.00} Issue : Late Payment Reporting This account contains reported late payments which are inaccurate and unverified. 
It lacks proper documentation or substantiation of the delinquency history. 
Violates FCRA 15 U.S.C. 1681i failure to reasonably reinvestigate my previous dispute. 
Story : This account reflects a false late payment that occurred during a period when payments were automatically scheduled. There is no supporting documentation or billing cycle that confirms a missed due date. I disputed this with TransUnion, but they failed to provide verification or conduct any proper review. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$5000.00} Issue : Charge-Off This charge-off is being reported despite the fact that the account was paid and/or settled in full under a negotiated agreement. 
Reporting this as a charge-off post-resolution is misleading and violates 15 U.S.C. 1681s-2 ( b ).

Story : After suffering pandemic-related income loss, I contacted XXXX and came to a negotiated payoff agreement. This debt was resolved, yet TransUnion continues to show it as charged-off. This is not only inaccurate but malicious and damaging to my creditworthiness. My rights under the FCRA have been disregarded. 
XXXX. XXXX XXXX ( Hard Inquiry ) Date of Inquiry : XX/XX/XXXX Issue : Unauthorized Hard Inquiry I did not authorize this hard pull on my credit file. 
TransUnion failed to confirm if permissible purpose existed under 15 U.S.C. 1681b.

This is a violation of consumer rights and constitutes privacy breach. 
Story : I never applied for any credit product with XXXX XXXX during the stated time period. I did not provide any written or digital authorization. This inquiry negatively affected my credit score and was done without my knowledge or consent. 
Requested Relief : 1. Immediate deletion or correction of the above accounts from my TransUnion credit report.

2. Written confirmation of investigation results and changes made.

3. Assurance that TransUnion will comply with FCRA 15 U.S.C. 1681e ( b ), 1681i, 1681b, and 1681s-2 ( b ).

4. Monetary relief and appropriate actions as deemed necessary by CFPB for ongoing harm and violation of my consumer rights.

Declaration : I hereby declare that the information Ive provided in this complaint is true and correct to the best of my knowledge. I respectfully request the Consumer Financial Protection Bureaus assistance in enforcing my rights under federal law and compelling TransUnion to comply with the Fair Credit Reporting Act.

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