Consumer complaint received 2025-07-29 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: MI

Complaint narrative:
XXXX"Dear Consumer Financial Protection Bureau (CFPB)\nI am filing this complaint against various furnishers and credit reporting agencies for inaccurate and harmful information being reported on my credit profile in violation of the Fair Credit Reporting Act (FCRA) 15 U.S. Code 1681 and the Fair Debt Collection Practices Act (FDCPA) I have tried to resolve these issues through direct disputes with the credit bureaus and furnishers but have not received proper resolution the following items are inaccurate unverifiable and harming my credit file job prospects and financial well-beingXXXX XXXX XXXX XXXX XXXX  Wrong AddressXXXXIssue: I have never lived at or used this address for any credit or legal matter\nLaw: FCRA 1681e(b), 1681i(a)  accuracy and reinvestigation required\nStory: This address appears to be reported in error or due to a mixed file situation I have no association with this location and it is damaging my profile and increasing identity theft risks despite never authorizing any account or service tied to this address the credit bureaus have failed to verify it accuratelyXXXXXXXX XXXXgXXXX XXXX XXXX XXXX XXXX XXXX XXXXIssue: Reported as charge-off\nLaw: FCRA 1681s-2, FDCPA 807  inaccurate debt status and misleading reporting\nStory: I was impacted by COVID-19 and filed hardship requests which were ignored no notice of default or final demand was given before this was charged off my rights under the CARES Act and FDCPA were denied I never received validation or a chance to cure this debt\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIssue: Late payments reported\nLaw: FCRA 1681s-2(a), 1681i; FDCPA 808  improper reporting during hardshipXXXXStory: I contacted the lender and explained my financial situation due to medical emergency and job loss I made partial payments but was still marked late without any accommodation or explanation they did not respond to written communication and still reported late XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXIssue: Late payment during forbearanceXXXXLaw: Higher Education Act 485A, FCRA 1681s-2XXXXStory: This student loan was in forbearance at the time of reported late payment I was enrolled in an income-driven plan and communicated regularly with my servicer this reporting is false and harmfulXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIssue: Incorrect late payments\nLaw: FCRA 1681c-2, Higher Education Act\nStory: During this period, I was approved for deferment and expected no penalties this entry is incorrect and should be deleted for violating student loan reporting standards\XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX False late entry\nLaw: FCRA 1681i, 1681s-2\nStory: A small XXXX  loan reported as late while I was under administrative forbearance its unfair and misleading as my loan status was not delinquent at the timeXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I made multiple attempts to arrange payments and avoid delinquency but the creditor rejected my requests and marked me late I was not given flexibility or hardship options despite asking in writingXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXssue: Late payments during pandemic\nLaw: CARES Act, FCRA 1681c\nStory: I was under CARES Act protection and my payments were suspended yet the loan servicer still marked me late this directly violates federal guidelines for student loan deferment during national emergenciesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX: Collection reporting\nLaw: FDCPA 809, FCRA 1681g\nStory: I was never contacted about this debt before it was placed in collections I never received validation or a right to dispute this listing is harming my credit with no legal verificationXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIssue: Unverified collection\nLaw: FDCPA 807, 809XXXXStory: I do not acknowledge this debt and never received proof or details of the original obligation yet it's listed as a collection without fair warning I sent a dispute and no documents were sent in responseXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIssue: Unauthorized collection account\nLaw: FCRA 1681s-2, FDCPA 808XXXXStory: This debt is unfamiliar to me and I believe it may be reported in error or fraudulently no contact was made before listing this item in collections I never agreed to this debt\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXIssue: Invalid and unrecognized debt\nLaw: FDCPA 809(b), FCRA 1681iXXXXStory: I never received any letter or validation this collection is suspicious and may be identity related no original creditor info or breakdown of charges was ever sent\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXIssue: Duplicate collection accountXXXXLaw: FCRA 607(b)XXXXStory: This is the exact same account as the earlier Jefferson Capital entry its being reported twice to make my credit appear worse than it is this is illegal duplication and needs removal\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIssue: No knowledge or validation of debt\nLaw: FDCPA 809, FCRA 611XXXXStory: I have never received a validation letter or original creditor statement for this account it is being reported without evidence or notice and is harming my creditworthiness and job prospectsXXXXConclusion\nAs a consumer, I have a right to accurate and verifiable credit reporting under the Fair Credit Reporting Act (15 U.S. Code  1681 et seq) I demand that all unverifiable, inaccurate, outdated, and duplicate information listed above be investigated and permanently removed from my credit profile please provide me with the results of your reinvestigation and send me an updated copy of my credit report I also request that any deleted information not be reinserted unless fully validated in accordance with FCRA  611\XXXXRELIEF REQUESTED:\nI request the CFPB investigate each of these accounts and furnishers and ensure deletion of unverifiable inaccurate and improperly reported information from all consumer reporting agencies I also request written documentation and full validation of each debt as required under law I reserve my right to seek legal counsel if not resolved"

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