Consumer complaint received 2025-09-17 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: NV

Complaint narrative:
I am filing this complaint with the CFPB because my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) are being violated, and I am requesting immediate intervention and investigation to correct these issues. The credit bureaus and furnishers have reported and verified inaccurate, incomplete, and unverified information despite my previous disputes, which is causing harm to my credit reputation, financial opportunities, and emotional well-being. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} This account is showing late payments that I have already disputed multiple times. No signed contract, payment history, or original creditor documentation proving delinquency has been provided in prior disputes. Under FCRA 611 ( a ) ( 1 ), a reinvestigation must be reasonable and must delete unverifiable data. By reporting late payments without verification, you are in violation of 623 ( a ) ( 1 ) ( A ) which prohibits furnishers from reporting inaccurate data. Each month this inaccurate data remains is continued harm to my creditworthiness and ability to obtain fair credit terms. This negative tradeline must be removed completely if it can not be fully substantiated with original records. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$990.00} This tradeline is reporting late payments that remain unverified. I have requested validation including full account history and original agreements under my rights in FCRA 609 ( a ) ( 1 ), but nothing was provided. The bureaus duty under 611 ( a ) ( 5 ) is to delete any information that can not be verified. Continuing to report this data without furnishing documentation is a willful violation of my rights. This account is lowering my score and affecting my employment and housing opportunities. I demand this item be removed immediately or I will seek damages as allowed under FCRA 616 for willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} The late payment reporting on this account is inaccurate. No proof of delinquency has been supplied by the furnisher, and you are required by FCRA 611 ( b ) to conduct a reasonable reinvestigation. It is your duty to ensure maximum possible accuracy under 607 ( b ), not to blindly parrot what a furnisher sends. Continuing to report an unverifiable late payment is negligent and harmful. If you can not provide a full accounting, proof of billing statements, and notice of default, this account must be deleted. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$42.00} I have never received proper notice of any late payment for this account, nor was I provided proof after prior disputes. FCRA 623 ( a ) ( 1 ) ( B ) forbids a furnisher from continuing to report disputed information without reasonable investigation. You have failed to meet your duty under 611 ( a ) by not providing evidence. This negative reporting is damaging my credit profile and must be removed immediately as it is unsubstantiated. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$530.00} These reported late payments are inaccurate, unverifiable, and have not been proven with documentation. You are required by FCRA 609 ( a ) ( 1 ) to allow me to see the source of this information, yet nothing was provided. A mere verified response without actual proof is not compliance with the law. I demand deletion of this account from my report, as its continued reporting is negligent under 607 ( b ) and unlawful under 623 ( a ) ( 1 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} This account is being reported as a charge-off, which is misleading since the balance is XXXX. No notice of default, no charge-off letter, and no supporting documents have been provided. Reporting a zero-balance account as charged off is a violation of FCRA 607 ( b ) as it is not maximum possible accuracy. You are required under 611 ( a ) ( 5 ) to delete this item if it can not be verified with original creditor records. This false reporting is a direct injury to my credit file and must be corrected immediately. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} This account is showing a charge-off that I never authorized or agreed to. No signed contract, no billing statements, and no validation of the debt have been provided despite prior disputes. FCRA 609 and 623 require that data furnished be accurate and verifiable. Continuing to report this item without proof is a willful violation, and under 616 I may be entitled to statutory damages. This tradeline must be permanently removed from my credit file.

Because these items remain despite prior disputes, I am requesting that the CFPB investigate these violations, compel the credit bureaus and data furnishers to fully comply with FCRA, and ensure immediate correction of my reports by deleting the wrong address, removing the inaccurate late payment, and deleting the unauthorized inquiry. Failure to do so will result in continued harm to me financially and emotionally. I trust that CFPB will enforce the law and protect my consumer rights by holding the credit bureaus and furnishers accountable for their negligence and violations.

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