Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
To Whom It May Concern I am submitting this complaint to formally dispute multiple inaccurate charge-off entries and unauthorized or erroneous credit inquiries on my credit report. These inaccuracies have caused extreme financial, emotional, and reputational harm, violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including : 1681e ( b ) obligation of credit reporting agencies to ensure maximum possible accuracy ; 1681i ( a ) obligation to investigate and correct disputed items promptly ; 1681s-2 ( a ) obligation of furnishers to provide accurate information ; 1681b restrictions on credit reporting and unauthorized inquiries ; 1681c ( a ) rules regarding reporting outdated or inaccurate adverse information. 
The repeated false reporting of charge-offs and unauthorized inquiries has resulted in denied loans, higher interest rates, delayed financial plans, extreme emotional stress, reputational harm, and wasted time. I demand immediate investigation, correction, or removal of all inaccurate information. 
Account Discrepancies : XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$0.00} | Issue : Charge Off * * This account has been incorrectly reported as a charge-off despite timely payments. This false reporting has prevented me from securing mortgage approval, auto loans, and other critical financial services. I have lost opportunities for favorable loan terms, lower interest rates, and financial planning security. Under FCRA 1681e ( b ), credit reporting agencies must ensure accuracy. The ongoing misreporting demonstrates negligence and has caused significant financial harm, emotional distress, and reputational damage with lenders. 
XXXX XXXX XXXXXXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$10000.00} | Issue : Charge Off * * The charge-off is entirely inaccurate. This false reporting has caused denial of competitive auto and personal loans, inflated insurance premiums, and unnecessary financial stress. Lenders have questioned my reliability due to this misinformation. I demand immediate investigation and removal under FCRA 1681i ( a ) ( 1 ) ( A ). The financial loss and stress resulting from this inaccurate reporting are extensive and ongoing. 
XXXX XXXX XXXXXXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} | Issue : Charge Off * * This account is falsely reported as charged-off. The impact has included multiple credit application denials, higher interest rates on approved loans, and additional verification requirements from lenders. Reporting inaccurate charge-offs violates FCRA 1681s-2 ( a ). The repeated errors have caused prolonged stress, wasted time, and financial setbacks, forcing me to expend resources to correct the record. 
XXXX XXXX XXXXXXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} | Issue : Charge Off * * This account has been falsely labeled as a charge-off. The negative effect on my credit report has prevented me from accessing affordable loans, increased borrowing costs, and caused prolonged financial and emotional stress. The repeated reporting of this incorrect record violates FCRA 1681i ( a ) ( 5 ). Immediate correction or removal is essential to prevent further damage. 
XXXX XXXX XXXXXXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} | Issue : Charge Off * * This account has been falsely reported as charged-off despite my consistent on-time payments and responsible account management. Due to this misreporting, I was denied a personal loan of {$15000.00} needed for urgent medical expenses, forced to take a higher-interest alternative loan at 22 % APR, and incurred additional financial penalties. The repeated reporting caused emotional distress, sleepless nights, and continuous stress as I attempted to dispute the error with lenders and the credit bureau. This violates FCRA 1681i ( a ) and 1681s-2 ( a ), which mandate accurate reporting and prompt correction. 
Unauthorized or Erroneous Credit Inquiries : The following inquiries appear on my credit report without consent or proper authorization, violating FCRA 1681b and 1681i ( a ) : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries lowered my credit score, caused denial of multiple loans totaling over {$50000.00}, forced me to accept higher interest rates, and required numerous hours of dispute and documentation gathering. Emotional consequences included XXXX, stress, sleepless nights, panic attacks, and frustration over my financial credibility. 
Cumulative Impact : The combined inaccuracies of these accounts and inquiries have caused : Denied loans totaling over {$75000.00} Increased borrowing costs exceeding {$10000.00} due to high-interest alternatives Missed opportunities for urgent home repairs, auto purchases, and personal loans Severe emotional distress, XXXX, panic attacks, and reputational harm with lenders Over XXXX hours wasted disputing inaccurate reporting Repeated verification and documentation requirements, consuming personal and professional time These violations constitute direct breaches of FCRA 1681e ( b ), 1681i ( a ), 1681s-2 ( a ), 1681b, and 1681c ( a ). I have attached all supporting documentation and demand that each disputed item and inquiry be thoroughly investigated and corrected immediately. 
Please confirm receipt of this complaint and provide a written response detailing the actions taken to rectify these issues.

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