Consumer complaint received 2025-08-16 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:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my consumer report contains multiple inaccurate addresses, accounts, late payments, charge-offs, collections, and unauthorized inquiries. These errors are seriously damaging my creditworthiness, preventing me from obtaining fair financial opportunities, housing, and employment. I have disputed these items with the credit reporting agencies, but they remain on my report in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that the CFPB step in to enforce my rights and ensure that the credit bureaus and furnishers comply with the law. 
Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff Law Issue : FCRA 611 and 609 require reporting to be accurate and verifiable.

Story : This account is reporting as a chargeoff despite showing a {$0.00} balance, which is contradictory and misleading. The continued reporting of an inaccurate chargeoff harms my credit profile and does not reflect accurate information. Please delete this tradeline if it can not be verified with 100 % accuracy. 

Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$13000.00} Chargeoff Law Issue : FCRA 607 ( b ) and 611 require accuracy and reinvestigation.

Story : This account is reporting a chargeoff with an alleged balance that can not be verified properly. The balance and status appear inconsistent with my records, and no supporting validation has been provided. Continued reporting without full verification violates my rights. Please reinvestigate and delete if unverifiable. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$0.00} Late Payment Law Issue : FCRA 607 ( b ) requires accurate reporting, and accounts with {$0.00} balance should not continue to report derogatory information.

Story : This account shows a {$0.00} balance yet still reports a late payment history. A {$0.00} balance indicates there is no current obligation, making the continued derogatory reporting misleading and unfair. Please correct or remove this account. 

Inquiry XXXX XXXX XX/XX/XXXX Law Issue : FCRA 604 ( a ) requires permissible purpose for inquiries. 
Story : I did not authorize this inquiry, and no permissible purpose was granted. Reporting this inquiry damages my score and violates my rights. Please delete this unauthorized inquiry. 


I am asking the Consumer Financial Protection Bureau ( CFPB ) to investigate these violations and require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. The inaccurate addresses, unverifiable accounts, and unauthorized inquiries must be corrected or deleted immediately. These errors are causing me real financial harm, and I rely on the CFPB to enforce my rights under federal law and hold the responsible parties accountable.

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