Consumer complaint received 2025-08-23 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: IL

Complaint narrative:
To Whom It May Concern I am filing this formal complaint regarding multiple false, inaccurate, and harmful items that are being reported on my credit file. These errors are directly violating my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, and other consumer protection laws. Each item is listed below with the related Issue, Law, and a detailed Story of how it has harmed me. I am demanding immediate deletion of all items that are inaccurate, unverifiable, or unauthorized. 
Account : XXXX XXXX XXXX Chargeoff Issue : Incorrectly reported as charge-off.

Law : FCRA 1681s-2 prohibits inaccurate reporting ; FDCPA 807 prohibits false representation of debts.

Story : This charge-off has ruined my chances of getting auto loans. When I tried to finance a car, I was denied and embarrassed in front of the dealer. I depend on reliable transportation for work and family, but this false charge-off forced me to accept unreliable vehicles and costly alternatives. It also created XX/XX/XXXX and stress knowing that my reputation is being destroyed by errors I can not control. 
Account : XXXX XXXX Chargeoff {$1400.00} Issue : Inaccurately reported charge-off.

Law : FCRA 611 requires proper reinvestigation of disputed accounts.

Story : Because of this false charge-off, I can not even get a fair phone plan. Carriers require large deposits, sometimes hundreds of dollars, because my credit file shows me as a defaulter. This causes financial hardship and embarrassment each time I try to set up basic phone service, something essential for daily life and employment. 
Account : XXXX XXXX XXXX Late Payment {$2700.00} Issue : Inaccurately showing late payment. 
Law : FCRA 611 requires deletion of unverifiable information.

Story : This account hurts my insurance costs. Auto insurance companies use credit scores to set premiums, and because of this error, I pay higher rates every single month. Over time this costs thousands of dollars, money I could have used to support my familys needs. It creates ongoing financial stress and anxiety. 
Account :XX/XX/XXXXXXXX Late Payment {$16000.00} Issue : False late payment reporting.

Law : FCRA 1681i requires disputes to be corrected promptly.

Story : Because of this, I was denied a major loan at a bank. Sitting across from the officer and hearing them say I was too high risk was humiliating and crushing. This false report makes me feel like my hard work means nothing, and I am constantly fighting a system stacked against me. 
Public Record : XX/XX/XXXX Bankruptcy RefXX/XX/XXXXXXXX Issue : Misreported bankruptcy record. 
Law : FCRA 1681c requires accurate reporting of public records.

Story : This entry portrays me as someone who declared bankruptcy when I did not. Because of it, I am treated as if I am financially reckless, unable to handle obligations. It costs me opportunities and dignity, and it feels like being labeled unfairly for life. 
Public Record : XX/XX/XXXX Bankruptcy RefXX/XX/XXXXXXXX Issue : Duplicate bankruptcy entry. 
Law : FCRA prohibits duplicating records inaccurately.

Story : Having two bankruptcies listed is devastating. It doubles the damage to my credibility, making it appear I filed more than once. I can not get fair credit, housing, or opportunities. This has left me feeling hopeless and discriminated against.

Final Statement Because of these wrong addresses, false charge-offs, incorrect late payments, false bankruptcies, and unauthorized inquiries, I am suffering ongoing financial harm, denial of opportunities, humiliation, stress, and emotional pain. My rights under federal law are being violated every single day that these items remain on my file. I am demanding CFPBs immediate intervention to ensure that all inaccurate, unverifiable, and unauthorized information is deleted from my credit report and written confirmation is provided within the required timeframe.

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