Consumer complaint received 2025-07-31 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: SC

Complaint narrative:
I am filing this complaint because my TransUnion credit report contains several inaccurate and harmful items that I have attempted to resolve through disputes, but no proper verification or corrections have been made. These errors are significantly impacting my credit score and financial well-being. The following accounts are either inaccurately reporting late payments or showing unauthorized inquiries that violate the Fair Credit Reporting Act ( FCRA ). XXXX requesting the Consumer Financial Protection Bureau ( CFPB ) to assist in investigating and resolving these violations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reporting a late payment, but I never missed any scheduled payments on this account. I reviewed my payment history and found no missed payments. I was never notified of any delinquency, nor provided any documentation by the furnisher to justify this negative mark. According to 15 U.S.C. 1681e ( b ), credit bureaus must ensure maximum possible accuracy, and under 15 U.S.C. 1681i, they are required to conduct a proper reinvestigation when a dispute is raised. However, the bureau has failed to remove or verify this late payment with original billing records. This is a violation of my consumer rights and has caused me financial stress and emotional harm, as I have been denied favorable credit terms because of this false reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is also reporting a late payment that I firmly believe is inaccurate. I had automatic payments enabled on this card, and I was never alerted to any failure of payment. If there was any issue, the creditor failed to communicate it, and no documentation has been provided after multiple attempts to verify this delinquency. Again, this violates the FCRAs requirement for data furnishers and credit reporting agencies to report only fully verifiable and accurate data. This unverified negative information has impacted my credit standing and continues to reflect an inaccurate picture of my financial responsibility. 

In addition to these late payment errors, three unauthorized hard inquiries have appeared on my credit file on the same XXXX XXXX, XXXX I did not authorize. These inquiries are from : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX never applied for credit or gave permission to any of these entities to access my credit report. These inquiries are damaging my score and were made without a permissible purpose, which is a direct violation of FCRA 15 U.S.C. 1681b. Despite my disputes with TransUnion requesting proof of permissible purpose ( such as signed credit applications ), no documentation has been provided, and these inquiries remain on my report. This is not only negligent but unlawful under federal law. It has led to unwarranted score drops and a false impression of frequent credit-seeking behavior. 

I am frustrated and deeply concerned that my rights as a consumer are being ignored, and inaccurate information continues to harm me. Im asking the CFPB to intervene and ensure that TransUnion fulfills its obligations under the law. I respectfully request the following : Immediate removal of the inaccurate late payments reported by XXXX XXXX XXXX and XXXX unless verifiable original billing documents are provided. 

Immediate deletion of the unauthorized inquiries from XXXX, XXXX XXXX, and XXXX XXXX XXXX as they were not initiated by me and lack any permissible purpose. 

Thank you for your assistance in helping enforce my rights under the FCRA.

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