Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate and unauthorized items on my credit report. These inaccuracies are severely affecting my credit reputation, causing financial hardship, emotional stress, and are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. I request immediate investigation and correction of each item listed below. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$54000.00} Late Payment This account inaccurately reports late payments. I have never missed any payment obligations. The false reporting misrepresents my financial reliability and exposes me to higher borrowing costs. Late payments of this size have a direct, negative impact on my ability to secure loans, housing, and other essential financial services. Under FCRA 1681i ( a ), I am entitled to have unverifiable or inaccurate information corrected or removed. I request documented proof of each alleged late payment including billing statements, transaction history, and internal records from XXXX XXXX XXXX XXXX. If verification can not be provided within 30 days, the account must be corrected or deleted immediately. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6.00} Late Payment This account also reports inaccurate late payments. Despite the balance being minimal, the false reporting shows negligence and irresponsibility on my part. Such errors, even on small amounts, can accumulate over time and create significant damage to my creditworthiness. Under FCRA 1681s-2 ( b ), furnishers are prohibited from providing inaccurate information to credit reporting agencies. I request immediate verification with documentation, and if unverifiable, this late payment must be removed without delay. 
XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment This account is reported with late payments that never occurred. I have consistently paid all obligations on time. False reporting of late payments, regardless of the balance, causes unnecessary stress, threatens my ability to obtain credit, and misrepresents my financial behavior. Under FCRA 1681i ( a ), I demand immediate deletion or correction of this inaccurate information and a confirmation in writing once the correction is made. The presence of such errors has already caused me repeated denials and increased interest rates, which is unacceptable. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment This account incorrectly reports a late payment. I have consistently made all required payments on time. Reporting false late payments misrepresents my financial responsibility and reliability, causing potential denial of credit and higher interest rates. Under FCRA 1681i ( a ), I am entitled to dispute and demand correction of unverifiable or inaccurate information. I request documented verification including statements and payment history. If verification can not be provided, this late payment must be removed immediately. 
XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment This account falsely reports late payments. I have maintained punctual payments for this account. Such incorrect reporting misleads lenders about my financial behavior, potentially affecting my credit approvals and interest rates. Under FCRA 1681s-2 ( b ), furnishers are prohibited from providing inaccurate information. I request immediate verification of all payments, and if unverifiable, the account must be corrected or removed without delay. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} Late Payment * * This account is reported with late payments that never occurred. The false reporting creates a misleading impression of financial irresponsibility. Under FCRA 1681i ( a ), I demand verification of each alleged late payment, including signed contracts, statements, and transaction history. Until proper verification is provided, this negative entry must be removed to prevent further harm to my creditworthiness. 
XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Late Payment * This account inaccurately shows late payments. I have consistently made timely payments. The false reporting is damaging my credit reputation, causing undue stress and financial limitations. Under FCRA 1681i ( a ), I have the right to dispute and demand correction of inaccurate information. I request documented proof, and if verification can not be provided, the late payment must be deleted immediately. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$290.00} Late Payment * * This account falsely reports late payments, misrepresenting my financial reliability. Reporting inaccurate information is a violation of FCRA 1681i ( a ) and 1681e ( b ), which require accurate and verifiable reporting. I request immediate verification, including all transaction records, statements, and account history. If this information can not be verified, the inaccurate late payment notation must be removed and written confirmation provided. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$33000.00} Late Payment * * This account falsely reports late payments. I have consistently made all payments on time, and these false late payment notations have caused me multiple loan denials, increased interest rates, and personal financial stress. The presence of this inaccurate late payment has impacted my ability to secure housing and auto financing, forcing me to pay higher premiums unnecessarily. Under FCRA 1681i ( a ), I request immediate verification including account statements, transaction history, and proof of any alleged late payment. If verification can not be provided, the inaccurate late payment must be deleted immediately to restore my creditworthiness. The emotional and financial toll of this inaccurate reporting is significant, including sleepless nights, repeated calls to creditors, and undue anxiety over my financial stability. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$80000.00} Late Payment This account inaccurately reports late payments, which is profoundly misleading given my consistent payment history. False reporting of a late payment of this magnitude jeopardizes my ability to obtain mortgages, personal loans, and credit lines. It has already caused delays and denials in essential financial transactions, forcing me to explain repeatedly to lenders that these reports are false. Under FCRA 1681i ( a ), I request documented proof including billing statements and account history. Until proper verification is provided, this negative entry must be removed. The psychological impact is substantial, including stress, fear of future financial repercussions, and reputational harm among financial institutions. 
XXXX XXXX XX/XX/XXXX Inquiry I did not authorize this inquiry. Unauthorized inquiries violate FCRA 604 ( a ) ( 15 U.S.C. 1681b ), which mandates a permissible purpose for accessing a consumers credit report. This inquiry falsely signals to lenders that I am seeking additional credit, lowering my credit score and misleading future creditors. I demand immediate removal and written confirmation. The unauthorized inquiry has already caused confusion with multiple lenders, unnecessary credit denials, and personal frustration due to its misleading nature. 
XXXXXXXX XXXX XXXX  XX/XX/XXXX Inquiry This inquiry is inaccurate and unauthorized. Unauthorized access misrepresents my credit activity and can be considered a potential breach of my rights under FCRA 604 ( a ). I demand immediate removal. This false inquiry has created confusion, additional administrative burden, and reputational risk with potential creditors. 
XXXX XXXX XX/XX/XXXX XXXX This duplicate inquiry is also unauthorized, compounding the negative impact on my credit score and misleading potential lenders. Under FCRA 604 ( a ), removal is required to prevent continued harm. The repetition of these unauthorized inquiries has caused stress, financial anxiety, and difficulty in planning personal financial commitments. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry This inquiry was not authorized. Unauthorized reporting violates FCRA 604 ( a ) and lowers my creditworthiness in the eyes of lenders. Immediate deletion is demanded. The negative effect on my credit score has caused repeated denials of essential financing, creating unnecessary hardship and emotional distress. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry Unauthorized inquiry. Reporting without permission violates FCRA 604 ( a ) and misleads potential creditors. I request deletion and confirmation. This inquiry has contributed to increased stress, repeated inquiries with lenders to clarify my credit standing, and financial inconvenience. 
XXXX XX/XX/XXXX XXXX This inquiry is inaccurate and unauthorized. Under FCRA 604 ( a ), it must be removed immediately. The presence of this inquiry has already caused delays and denials in credit approvals, adding emotional and financial strain. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry Unauthorized inquiry. Immediate removal is required under FCRA 604 ( a ). Failure to remove continues to harm my creditworthiness, misleads lenders, and has caused repeated personal stress and financial inconvenience.

I request the CFPB to take immediate action to ensure that these inaccurate late payments, charge-offs, and unauthorized inquiries are fully investigated, corrected, or removed. The repeated misreporting has caused substantial financial hardship, emotional distress, and damage to my credit reputation. I reserve all rights to pursue legal remedies under the FCRA if these inaccuracies are not corrected promptly.

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