Consumer complaint received 2025-07-30 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: CA

Complaint narrative:
To Consumer Financial Protection Bureau I am submitting this complaint because multiple creditors and consumer reporting agencies are reporting inaccurate and harmful information on my credit file that violates my rights under the Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. XXXX and has caused me significant damage I have made good faith attempts to resolve these issues directly but I continue to be harmed by incorrect addresses unauthorized credit inquiries and inaccurate reporting of accounts I request immediate investigation and enforcement action to ensure my rights are protected XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} Issue : Late Payment Law : FCRA XXXX ( b ), XXXX ( b ) Story : This account was impacted by technical issues in my online banking system. Payments were made but processed late due to systemic issues. I provided documentation, yet the creditor refused to reinvestigate. The reporting is unfair and incomplete, harming my credibility as a borrower XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Late Payment Law : FCRA XXXX, XXXX ( b ) Story : This loan is closed and has been paid in full, yet late payments remain on record. This account should not reflect derogatory information post-closure. This misrepresentation creates a false narrative of delinquency and damages future lending decisions XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Late Payment Law : FCRA XXXX ( b ), XXXX Story : This account is closed and has a {$0.00} balance, yet reflects derogatory late payments. This serves no legitimate purpose and creates a skewed risk profile for me. Late payments on closed, paid accounts only serve to punish the consumer without basis XXXX XX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA XXXX Story : I never applied for credit with this company on or near this date. This inquiry suggests my information may have been used without permission, and no permissible purpose exists for this access XXXX XXXX XXXX XX/XX/XXXX Issue : Duplicate Unauthorized Inquiry Law : FCRA XXXX Story : This repeated inquiry is part of a series of unapproved pulls by XXXX XXXX XXXX These hard inquiries are hurting my credit score and reputation for reasons I did not initiate XXXX XX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA XXXX Story : I have never had any relationship with XXXXXXXX XXXX. This inquiry is a clear error or misuse of my data and should be removed immediately XXXX  XX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA XXXX Story : I dispute this inquiry. I never applied for any Destiny product or card, and this reflects an unwarranted intrusion into my credit file XXXX XX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA XXXX Story : I have never heard of this company and did not authorize this inquiry. The data pull was done without consent and must be removed XXXX XX/XX/XXXX Issue : Duplicate Unauthorized Inquiry Law : FCRA XXXX Story : Another unapproved access by Credit XXXX that I did not authorize. This activity undermines the integrity of my file and violates my rights XXXX XX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA XXXX Story : I was not involved in any activity that would permit this inquiry. I request this be removed immediately XXXX XX/XX/XXXX Issue : Duplicate Inquiry Law : FCRA XXXX Story : A XXXX inquiry by the same company within XXXX hours without consent. This is either carelessness or abuse of the system XXXX XX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA XXXX Story : I did not initiate any credit application with XXXX on this date. This entry is harming my credit profile unlawfully XXXX XX/XX/XXXX Issue : Duplicate Unauthorized Inquiry Law : FCRA XXXX Story : Repeating the same inquiry shows a pattern of inaccuracy. This behavior is unfair and legally questionable XXXX XXXXXX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA XXXX Story : I have no memory or record of initiating anything with OneMain. This unauthorized pull was not permitted and must be deleted XXXX XXXXXX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA XXXX Story : No credit application or agreement was made. This inquiry was without permission and has harmed my credit score XXXX  XX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA XXXX Story : Unapproved access again by the same lender, showing disregard for FCRA regulations XXXX XX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA XXXX Story : I did not seek credit with Santander on or near this date. This unauthorized hard pull has negatively impacted my report These repeated violations of my consumer rights have resulted in credit denials higher interest rates and emotional stress I have made multiple attempts to contact the reporting entities but they have failed to act in good faith or provide proof of permissible purpose or verification I request the CFPB investigate each of the above items enforce accountability and compel the involved parties to delete or correct the disputed entries according to FCRA XXXX and XXXX I am also requesting punitive action for any willful noncompliance under FCRA XXXX and negligent noncompliance under XXXX I am attaching a copy of my ID proof of current address and credit reports for reference Thank you for protecting consumers like me

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