Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint to formally dispute multiple inaccurate and unauthorized items that are currently appearing on my credit report. These include an address that does not belong to me, a late payment on a paid account, a questionable charge-off, and several hard inquiries made without my knowledge or consent. These entries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), and they are causing measurable harm to my creditworthiness. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to assist in ensuring a full reinvestigation and appropriate resolution of these violations. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law/Issue : Reporting a late payment on a {$0.00} balance is misleading and violates FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( A ) which mandates furnishers to report accurate and current information Story : This account shows a {$0.00} balance indicating it is closed or paid yet it reflects late payments which is inaccurate and damages my credit standing XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$72.00} Chargeoff Law/Issue : This account was never charged off with appropriate verification violating FCRA 15 USC 1681i ( a ) which requires reinvestigation of disputed items Story : This charge-off status is incorrect and I have never received any notice confirming this alleged default or providing a chance to cure the debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law/Issue : Inaccurate reporting of late payments on paid/closed accounts violates FCRA 15 USC 1681e ( b ) and is misleading Story : The account reflects a {$0.00} balance yet is reported with late payments which misrepresents my credit behavior and must be corrected XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$19000.00} Late Payment * * Law/Issue : Reporting late payments without providing full account history or verification violates FCRA 15 USC 1681i Story : I am not aware of any past due payments on this account and was never notified of delinquencies please verify this information and remove if unsubstantiated XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$0.00} Late Payment * * Law/Issue : Reporting late payment after account was settled violates FCRA 15 USC 1681s-2 ( b ) Story : This account has a XXXX balance and no current delinquency thus reporting late payment is damaging and must be corrected XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law/Issue : This account shows inaccurate delinquency on a closed or settled debt violating FCRA 1681e ( b ) Story : I completed my obligation and the account was closed in good standing so no late payments should be reported XXXX XX/XX/XXXX Inquiries Law/Issue : FCRA 1681b prohibits this type of inquiry without my permission Story : I never gave authorization and it is hurting my credit report XXXX XXXX XXXXXX/XX/XXXX Inquiries Law/Issue : No legal basis for this hard inquiry under FCRA 1681b Story : This inquiry occurred without my consent and must be removed Pursuant to my rights under FCRA 611 ( a ), I am requesting that the credit reporting agencies and data furnishers involved provide documented proof of accuracy, validity, and permissible purpose for each item listed in this complaint. If no such verification is provided within the required timeframe, I am requesting immediate removal of the disputed items from my credit report. These entries are materially inaccurate and are being reported in violation of federal law. I respectfully ask the CFPB to take appropriate action to ensure compliance and accountability, and to help restore the integrity of my consumer credit file. Please confirm receipt of this complaint and provide me with the results of any actions taken.

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