Consumer complaint received 2025-06-27 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 against TransUnion for failing to maintain accurate and verifiable information on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). Despite my attempts to resolve these matters directly with the bureau, the inaccurate and misleading information remains uncorrected. This has negatively impacted my creditworthiness, causing emotional distress and financial harm. 

XXXX. Inaccurate and Misleading Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account shows a late payment even though the balance is {$0.00} and the account has long been closed. Reporting a derogatory status on a closed and resolved account is deceptive and damaging. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account reflects a late payment, but I never received proper notification, nor was any verifiable evidence provided by TransUnion or the furnisher to support the delinquency. This is a violation of my rights under FCRA 611 ( a ) regarding investigation procedures. 

XXXX. Inaccurate Charge-Offs with {$0.00} Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The report states a charge-off status with a {$0.00} balance. If the account is paid, it can not be legally reported as charged-off. This is contradictory and violates the FCRAs requirement for maximum accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This charge-off is still being reported without any supporting documentation. This account is several years old, and I have requested validation from both the data furnisher and TransUnion with no resolution. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is also listed as a charge-off with a {$0.00} balance. Additionally, it is too old to still appear on my report under FCRA Section 605 ( a ), which limits reporting of negative accounts to seven years.

3. Unauthorized Hard Inquiries : TransUnion has allowed several companies to place hard inquiries on my credit report without my knowledge or permission. These inquiries were made without a permissible purpose under FCRA Section 604 ( a ), and I demand they be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Harm : These reporting failures have caused significant damage to my XXXX XXXX, resulting in denied housing applications and high interest rates. TransUnion has failed to meet its legal obligations under FCRA Sections 602 ( a ), 607 ( b ), and 611 ( a ). I demand the CFPB investigate this matter and compel TransUnion to delete all inaccurate, unverifiable, outdated, and unauthorized entries listed above.

Please keep me informed about the progress and outcome of your investigation.

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