Consumer complaint received 2025-08-11 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: NC

Complaint narrative:
This is a formal complaint regarding inaccurate, unverifiable, and damaging information appearing on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including 1681e ( b ) for maximum possible accuracy, 1681i for reinvestigation of disputed information, and 1681s-2 ( b ) for the duty of furnishers to investigate and correct errors. The following addresses and accounts are being reported without proper verification, causing significant harm to my creditworthiness, emotional well-being, and financial stability. 
Credence XXXX XXXX XXXX XXXX XXXX Balance {$420.00} Date Opened XXXX Collection * * ISSUE : This account 's balance is incorrectly reported ; the open date is inaccurate, and no validation has been provided by the creditor proving my obligation. LAW : FCRA 1681e ( b ) mandates maximum possible accuracy ; FDCPA 809 ( b ) requires validation before reporting or collection attempts. STORY : I never received any validation, signed contract, or payment history confirming this debt. The lack of communication and supporting documentation suggests this might be a case of mistaken identity or outdated records. This false reporting severely undermines my credit standing, leading to unjustified credit denial and financial hardship. 

XXXXXXXX XXXX XXXX XXXXnce {$1800.00} Date Opened XXXX Collection * * ISSUE : Duplicate reporting of the same debt with conflicting balances and dates, violating accuracy and fairness laws. LAW : FCRA 1681i ( a ) prohibits duplicate and misleading listings ; FDCPA 807 forbids false representation of debt status. STORY : Appearance of two entries for the same account with differing balances and dates confuses creditors and damages my credit score. Despite repeated requests to verify this information, proper validation was not provided, suggesting willful negligence or error. 

XXXX XXXX  XXXX Balance {$1800.00} Date Opened XXXX Collection * * ISSUE : Repeated conflicting data for the same account adds confusion and harm. LAW : Violations under FCRA XXXX and FDCPA XXXX continue with duplicate reporting. STORY : Reporting two different balances for one account without justification misleads credit decision systems and unfairly penalizes me financially. This undermines trust and transparency in credit reporting. 

XXXX XXXX XXXX Balance {$2200.00} Date Opened XXXX Collection * * ISSUE : No original creditor is named ; account details are incomplete and unverifiable. LAW : FCRA 1681g requires disclosure of creditor ; FDCPA 809 mandates debt validation. STORY : I have no knowledge or records of this debt. No verification letters, contracts, or chain of custody documents were ever provided. This unverifiable account violates my consumer rights and damages my credit unfairly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$15000.00} Date Opened XXXX Late Payment * * ISSUE : Inaccurate and outdated late payment data remains despite disputes and account updates. LAW : FCRA 1681i ( a ) requires correction after dispute ; 1681s-2 ( a ) demands accurate furnishing. STORY : This accounts late payments originated during a temporary hardship caused by medical bills and pandemic-related income loss. The account was subsequently brought current, yet the negative status persists, inflicting ongoing damage on my credit reputation. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} Date Opened XXXX Late Payment * * ISSUE : Incorrectly reported late payments on a {$0.00} balance closed account. LAW : FCRA 1681c ( a ) ( 5 ) prohibits obsolete or inaccurate negative information. STORY : This account was closed in good standing with no outstanding balance. Incorrect reporting of late payments distorts my credit history and misleads lenders. 

XXXX XXXX # XXXX * Balance {$0.00} Date Opened XXXX Late Payment * * ISSUE : Unjustified late marking post account closure. LAW : FCRA 1681e ( b ) demands accurate reporting. STORY : Since this account has a XXXX balance and is closed, reporting late payments is false and punitive. 

syn/fstprog Act. # XXXX Balance {$0.00} Date Opened XXXX Late Payment * * ISSUE : Late payments reported beyond the legally allowed reporting period without proof. LAW : FCRA 605 ( a ) limits reporting outdated negative information. STORY : The late status is obsolete and no longer legally reportable. Continuing to list this harms my credit beyond permissible limits. RESOLUTION REQUESTED Permanent
deletion of the two inaccurate addresses listed above.

Permanent deletion of the three charge-off accounts due to lack of verification and inaccuracy. 
Written confirmation from all credit bureaus that the deletions have been completed. 
LEGAL NOTICE If the above items are not removed within 30 days as required by the FCRA, I will pursue further remedies including filing additional complaints with the FTC, State Attorney General, and initiating legal proceedings in federal court under 15 U.S.C. 1681n for willful noncompliance and damages.

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