Consumer complaint received 2025-09-05 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: TN

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau against the credit bureaus ( XXXX XXXX and TransUnion ) as well as the furnishers and collectors listed below for serious violations of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

I have repeatedly noticed inaccurate, misleading, and unverifiable information being reported on my consumer credit files. These items are damaging my creditworthiness, financial stability, and personal well-being. Pursuant to FCRA 602 ( A ), consumer reporting agencies must ensure maximum possible accuracy of the information they report. Each account listed below fails this requirement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Reported as Charge Off. 
It is unlawful to continue reporting a charge-off when the balance is XXXX. Under FCRA 605 ( b ), information must be accurate and complete. Reporting a {$0.00} balance with derogatory notation is misleading and harmful. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} Reported as Charge Off. 
This debt is inaccurately reported. The amount is unverified and not supported with proper documentation. Under FDCPA 809 ( b ), debt collectors must validate debts before reporting. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$75.00} Reported as Late Payment. 
This account reflects an impossible future date ( XXXX ), which is a blatant violation of FCRA 607 ( b ) requiring accurate reporting. Reporting accounts with future dates is clear negligence and willful misreporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reported as Late Payment. 
Reporting late payments with a XXXX balance is misleading and violates FCRA 1681i ( a ), which requires reinvestigation of disputed information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reported as Charge Off. 
This account is being reported inaccurately, as no valid balance exists. Continuing to report a charge-off with no debt owed violates FCRA accuracy standards. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} Reported as Collection.

This collection is unverified and improperly validated. Under FDCPA 807, reporting false or misleading information about a debt is prohibited. 

XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$8800.00} Reported as Collection. 
Again, this account is reported with a future date ( XXXX ), which is impossible and violates FCRAs maximum accuracy requirement. Such reporting is deceptive and unlawful. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$720.00} Reported as Collection. 
XXXX has a long history of inaccurate and unverified debt reporting. This account is unverifiable, lacks proof of ownership, and is a violation of FDCPA validation requirements. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$380.00} Reported as XXXX. 
Same issues apply here. Reporting unverified debts constitutes a willful violation of FCRA 623 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$2000.00} Reported as Collection. 
This account is unverifiable, and the reporting furnisher has failed to provide proof of debt validation. This violates FDCPA 809 ( b ) and FCRA accuracy requirements.

These inaccurate reports cause significant harm, including but not limited to : denial of credit opportunities, higher interest rates, emotional distress, and loss of financial stability.

Resolution Requested : I request that the CFPB immediately investigate these violations and require the credit bureaus and furnishers to : Delete the above-listed accounts from my credit reports as they are inaccurate, unverifiable, and misleading. 

Provide written confirmation that the deletions have been completed. 

Impose corrective action or penalties on the furnishers and credit bureaus for willful noncompliance with federal law.

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