Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
To Whom It May Concern, I am formally filing a dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate, incomplete, and unverifiable information on my credit report. The following items are listed with issues, applicable laws, and a detailed explanation. I request immediate reinvestigation and deletion where verification can not be substantiated in writing. 

XXXX XXXX XXXX XXXX, TX XXXX Issue : Wrong Address Law : FCRA XXXX ( b ) Requires maximum possible accuracy Story : I have never lived at this address nor have I ever used it in any official capacity. Reporting this address is an error and misrepresents my identity. 

XXXX XXXX XXXX  XXXX * * Balance : {$1200.00} Date Opened : XX/XX/XXXX Issue : Charge Off Law : FCRA 1681s-2 Furnishers must report accurate information Story : This charge-off is inaccurate and misleading. I requested documentation from the creditor which has not been provided. I dispute the balance and the manner of reporting, which severely harms my creditworthiness. 

FIRST XXXX BANK XXXX * * Balance : {$1600.00} Date Opened : XX/XX/XXXX Issue : Charge Off Law : FCRA 1681i ( a ) Right to dispute inaccurate information Story : I never opened this account on the reported date. This entry appears to be the result of account duplication or identity confusion. No verification has been presented to justify this negative item. 

XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$3000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681c-2 Ability to block inaccurate information Story : The alleged late payment was due to a processing error. I made a payment on time but it was not posted correctly. I submitted proof of this to the creditor but it was ignored. 

XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681s-2 ( a ) ( 1 ) ( B ) Must correct and update inaccurate info Story : This account shows a late payment that is not valid. I was enrolled in a hardship program during that time which paused my payments. Reporting a delinquency is unjust and misleading. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681e ( b ) Must ensure maximum accuracy Story : I made payments consistently and was never notified of any past due status. I believe this is either a clerical error or a misapplied payment. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$750.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681i Right to reinvestigation Story : This account is being inaccurately reported with repeated late payments. I was under a hardship deferment and should not have been marked delinquent. 

XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$580.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681s-2 ( b ) Duty to investigate disputed information Story : My bank statement shows I made the payment on time. This negative mark is unfair and severely impacts my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1700.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681s-2 Data furnishers must report correct info Story : I was never late on this account. I believe there has been a miscommunication between XXXX and the bureau. Please reinvestigate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3500.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681e ( b ) Inaccurate reporting must be corrected Story : The late payment was the result of a billing error. I was told it would be corrected, but no action was taken. This hurts my credit through no fault of my own. 

XXXX XXXX XXXX XXXX XXXX Balance : {$630.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681s-2 ( b ) Must respond to disputes with accuracy Story : My online records show timely payment. This reporting is inaccurate and needs to be investigated and removed. 

XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX Issue : Charge Off Law : FCRA 1681s-2 Must report complete and accurate info Story : I was in a financial hardship program when this was charged off. I was not notified of any default. This account was reported unfairly. 

XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681e ( b ) Information must be verified and current Story : This late payment occurred during a known billing system glitch on the creditors side. I have documentation and request reinvestigation. 

XXXX XXXX XXXX Balance : {$3000.00} Date Opened : XX/XX/XXXX Issue : Charge Off Law : FCRA 1681i Reinvestigation required if consumer disputes Story : This charge-off is inaccurate. Payments were made under an alternate payment arrangement. The report ignores this and misrepresents my account history. 

XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$240.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681s-2 Furnishers must ensure accuracy Story : I was under active dispute with XXXX when XXXX  late payment was posted. This was premature and should be removed while the account was under review. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$26000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681e ( b ) Data must be reliable and substantiated Story : I was in an automatic debit plan and the funds were deducted. The late payment reporting is completely unsubstantiated. 

XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Can not report false info knowingly Story : Tower Loan promised not to report while my deferment request was under review. The late reporting violates that agreement. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} Date Opened : XX/XX/XXXX Issue : Charge Off Law : FCRA 1681c Must not report outdated or unverified info Story : I never received proper notice before this was charged off. I dispute the validity of the debt and request proof or removal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$590.00} Date Opened : XX/XX/XXXX Issue : Collection Law : FDCPA 807 / FCRA 1681i Debt must be verifiable Story : I requested debt validation but received no proper verification. Reporting an unvalidated collection violates the law. 

XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA 1681b Permissible purpose required for inquiries Story : I never authorized XXXX XXXX to pull my credit. This hard inquiry was made without my consent and should be removed immediately. 

Conclusion I request your agency compel the credit reporting bureaus to perform a full reinvestigation into each of these items within 30 days per FCRA 611. If any of these items can not be verified with full documentation, they must be deleted from my credit file permanently. I have the right to accurate, fair, and substantiated reporting, and I demand compliance with all applicable federal laws.

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