Consumer complaint received 2025-08-30 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 filing this formal complaint under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ), and the Consumer Financial Protection Act ( UDAAP provisions ). The following accounts are reported inaccurately, causing financial and personal harm. I request immediate reinvestigation, correction, and deletion of all unverifiable data. 
Account : XXXX XXXX High Balance : {$340000.00} Date Opened : XXXXReported Issue : Late Payment This account is being reported with repeated late payments that I strongly dispute. The furnisher has failed to provide documentation proving the accuracy of these alleged delinquencies. Under FCRA 609 ( a ) ( 1 ), I have the right to request all records including the original signed agreement, payment history, and itemized documentation supporting this reporting. No such evidence has been provided. Continued reporting without verification is a violation of FCRA 623 ( a ) ( 1 ) ( A ) which prohibits furnishers from reporting information known or should be known to be inaccurate.

Story : This alleged late payment history is misleading and damaging. I have made consistent payments and when financial hardship occurred due to the COVID-19 pandemic, I requested accommodations and assistance. Instead of working with me, the creditor chose to report damaging late marks without clear justification. This unfairly penalizes me for circumstances outside of my control. The reporting is not only inaccurate but also violates CARES Act protections that required lenders to report accounts in forbearance or hardship status as current. I am demanding immediate deletion of all inaccurate late payments associated with this account. 
Account : XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/year> Reported Issue : Late Payment This account is reported with late payments that I dispute as inaccurate and unverified. Under FCRA 611 ( a ), I am entitled to a reinvestigation when information is disputed. No proof has been provided that supports the alleged delinquencies. A furnisher must provide validation and accurate reporting under FCRA 623 ( b ), and failure to do so requires deletion.

Story : The late payment reporting does not reflect the reality of my payment history. On several occasions, payments were made on time but not credited properly, leading to false reporting. I reached out to the creditor multiple times to correct the issue, but instead of resolving it, they continued reporting derogatory marks. This has caused severe financial and emotional distress. Such reporting practices violate not only FCRA but also FDCPA 807 ( 8 ) which prohibits communicating false credit information to credit bureaus. I am requesting the removal of all inaccurate late payments related to this account.

Conclusion Each of these accounts is reported inaccurately, violating multiple federal laws. These derogatory items are damaging my financial stability, employment opportunities, and access to fair credit. I demand immediate CFPB intervention, reinvestigation, and deletion of all unverifiable negative data.

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