Consumer complaint received 2025-09-26 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: NV

Complaint narrative:
I am submitting this complaint to address multiple inaccuracies and violations on my credit report which are causing severe financial harm and distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting and timely investigation of disputed items. I am exercising my rights under 15 U.S.C. 1681i and 15 U.S.C. 1681e ( b ) to request a thorough reinvestigation and correction of all erroneous information. 

XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00} * * This account incorrectly reports a late payment, which violates FCRA 15 U.S.C. 1681i ( a ). I have verified all my payment records and can confirm that payments were made timely. Reporting a false late payment misleads creditors, negatively affects my XXXX XXXX, and violates my rights. The credit bureau has failed to reinvestigate after my prior dispute. The creditor has no verified documentation supporting the late payment. FCRA requires verification before reporting adverse information. I request immediate correction or deletion of this inaccurate entry. Maintaining false reporting is harmful and illegal. The late payment notation affects my ability to secure loans or favorable credit terms. I demand that all supporting documents be provided to me for review. Inaccurate reporting without verification is a breach of federal law. I request written confirmation once corrected. Any repeated failure to correct will prompt further regulatory actions. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$820.00} XXXX XXXX  This account is incorrectly reported as a charge-off, which violates FCRA 15 U.S.C. 1681i ( a ). I have never received notice of a charge-off and have records showing consistent communication and compliance with the account terms. The reporting of this false charge-off damages my credit profile, misleads lenders, and is unlawful. Previous disputes have been ignored. The credit bureau must verify this information with the creditor before reporting. Reporting unverified adverse information constitutes a breach of federal law. The charge-off affects my ability to obtain favorable loans. I demand immediate removal and proper verification documentation. All prior communications with the creditor support that this account should not be charged off. The continued reporting of false information is a violation of my rights. Written confirmation of correction is requested. I will escalate this matter if not corrected promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} * * This account incorrectly shows a late payment. FCRA 15 U.S.C. 1681i ( a ) requires that any disputed information be verified. My payment records indicate all payments were made on time, and the reporting of a late payment is false. Misreporting affects my creditworthiness and potential borrowing opportunities. Previous disputes have been ignored, which violates federal law. XXXX  with the creditor must be conducted before reporting. I request deletion or correction of this inaccurate late payment. The false reporting is misleading and harms my financial reputation. Written confirmation of the correction is required. Failure to comply violates the FCRA. Accurate reporting is mandatory to protect consumers. I demand full reinvestigation per federal standards. 

XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$510.00} XXXX XXXX  The reported late payment on this account is false and violates FCRA 15 U.S.C. 1681i ( a ). I have complete records showing timely payments. Reporting unverified negative information misleads creditors and adversely impacts my XXXX XXXX. Prior disputes have not resulted in correction, which is negligent. The credit bureau must verify the information with XXXX before continuing to report. Failure to do so is unlawful. The false late payment harms my credit applications. I demand deletion or accurate reporting immediately. XXXX documentation must be provided. The reporting agency is legally required to correct errors. XXXX must comply fully with the FCRA. Written confirmation is required upon correction. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX  This account inaccurately shows a late payment, violating FCRA 15 U.S.C. 1681i ( a ). I have reviewed all records and confirmed that payments were made timely. False reporting of late payments misleads creditors and negatively affects my credit profile. Previous disputes have been ignored. The credit bureau must contact the creditor to verify information before reporting adverse data. Maintaining false negative entries is unlawful. I demand immediate correction or deletion of this account. Written confirmation of accurate reporting is requested. Failure to comply is a violation of my rights. Proper reinvestigation is required by law. I expect full compliance and documentation. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry was unauthorized and violates FCRA 15 U.S.C. 1681b, which requires permissible purposes for credit reporting. I did not authorize this inquiry, and it has been reported incorrectly. Unauthorized inquiries negatively affect my XXXX XXXX and are misleading to lenders. Previous disputes regarding this inquiry have been ignored. The reporting agency must verify authorization before reporting. Failure to remove this inquiry constitutes a violation of federal law. I request immediate deletion of this inquiry. Documentation proving authorization must be provided if any exists. Maintaining unauthorized inquiries is illegal. Written confirmation of deletion is requested. FCRA 1681i ( a ) requires correction of inaccurate entries. I demand full reinvestigation and removal of this inquiry. Continued reporting is harmful to my credit. 

XXXX XX/XX/XXXX This inquiry was also unauthorized and reported in violation of FCRA 15 U.S.C. 1681b. I did not request or authorize this credit pull. Unauthorized reporting negatively affects my creditworthiness. The credit bureau must verify authorization before reporting. Failure to do so violates federal law. Previous disputes have not corrected this entry. I demand immediate deletion of this inquiry. Proper documentation proving authorization must be supplied if it exists. Maintaining this inaccurate inquiry is illegal. Written confirmation of removal is required. FCRA 1681i ( a ) mandates reinvestigation of disputed information. The continued reporting of unauthorized inquiries is harmful to my credit. XXXX action is requested. 

XXXX XX/XX/XXXX This inquiry is also unauthorized and violates FCRA 15 U.S.C. 1681b, which limits credit reporting to permissible purposes. I did not authorize this inquiry, and its reporting is misleading and harmful. Previous disputes have not corrected this issue. The credit bureau must verify the authorization before reporting. Failure to remove unauthorized inquiries is a violation of federal law. I demand immediate deletion of this inquiry. Documentation proving authorization must be provided if it exists. Maintaining this inaccurate inquiry is unlawful. Written confirmation of correction is required. FCRA 1681i ( a ) mandates full reinvestigation. Continued reporting of this unauthorized inquiry negatively affects my credit. Immediate corrective action is requested.

I demand that all disputed items be fully investigated, corrected, or removed as required under 15 U.S.C. 1681i and 1681e ( b ). Failure to comply constitutes a continued violation of the FCRA and causes ongoing financial harm. I request CFPB intervention to ensure all corrections are made promptly and that my credit report accurately reflects my credit history.

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