Consumer complaint received 2025-07-23 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: MI

Complaint narrative:
TO WHOM IT MAY CONCERN I am filing this complaint due to multiple and repeated violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws. My credit report contains numerous inaccurate, outdated, and unverifiable information including incorrect addresses, unauthorized and excessive hard inquiries, inaccurate late payments, charge-offs, and collection entries. These errors have significantly impacted my ability to obtain credit, housing, and fair financial opportunities. 
XXXX XXXX XXXX  XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$11.00} Issue : A late payment has been falsely reported on this account.

Law Violated : FCRA 623 ( a ) ( 1 ) ( A ) furnishers must not report information they know to be inaccurate.

Story : I was never more than 30 days past due. This payment was processed within the allowable period. A minor technical delay should not result in derogatory reporting. This mark has unfairly lowered my credit score and hurt my credit access. 
XXXX XXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$54000.00} Issue : Late payment inaccurately reported.

Law Violated : FCRA 623 ( b ) the furnisher must investigate and correct or delete disputed information.

Story : I was enrolled in auto-pay and never received any notice of non-payment. The delinquency was falsely flagged and is now interfering with future financing approvals. I demand full validation and correction. 
XXXX XXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$6.00} Issue : This late payment report is unreasonable for a {$6.00} balance.

Law Violated : FCRA 607 ( b ) reporting must be accurate to the maximum extent possible.

Story : No valid creditor should be allowed to report a damaging delinquency over such a minor amount without giving notice. I did not receive any invoice or warning, and this mark has harmed my credit unfairly. 
XXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} Issue : Late payment marked after the account was closed and paid off.

Law Violated : FCRA 623 ( a ) ( 2 ) furnishers must update and correct previously furnished information.

Story : This error is clearly the result of system automation. No human-reviewed process would allow this. It wrongly classifies my account as risky and continues to pull down my score. 
XXXX XXXX XXXX  XXXX  Account # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} Issue : Late payment reported after the account was closed and paid.

Law Violated : FCRA 623 ( a ) furnisher duty to ensure accuracy.

Story : I was never behind on payments. The record reflects laziness in updating or a technical glitch. My score is suffering over a false late mark. 
XXXX XXXX XXXX  XXXX  Account # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} Issue : Late payment incorrectly flagged after loan closure. 
Law Violated : FCRA 602 ( b ) and 623 ( a ) ( 2 ).

Story : The loan was fully paid. Reporting delinquency afterward is deceptive and against consumer protection principles. I demand evidence or deletion. 
XXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} Issue : Late payment post-closure with no valid documentation.

Law Violated : FCRA 623 ( a ) ( 1 ) ( A ).

Story : I had enabled automatic payment. I never received a notice of a late bill. This incorrect late mark is penalizing my profile for no fault of my own. 
XXXX XXXX  XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} Issue : Late payment reported even though the account is paid and closed. 
Law Violated : FCRA 607 ( b ).

Story : This is a false report. No payment was late. I had a clean record, and this inaccurate derogatory mark has cost me multiple credit denials.

Hard Inquiries No Authorization or Permissible Purpose : XXXX XXXX XX/XX/XXXX Issue : This inquiry was made without my knowledge, consent, or application for credit. 
Law Violated : FCRA 604 ( a ) ( 3 ) A permissible purpose is required before accessing a consumer 's credit file.

Story : I never applied for financing through XXXX. This inquiry may have resulted from a dealer submission or identity error. I was not given disclosure or opportunity to opt-in. This has negatively impacted my credit score by adding an unauthorized hard pull. 
XXXX XXXX T XX/XX/XXXX Issue : Inquiry conducted without my application or request. 
Law Violated : FCRA 604 ( a ) and 607 ( a ) Mandates permissible purpose and accuracy in report acquisition. 
Story : I have never visited or interacted with XXXX XXXX XXXX in any form. This inquiry was unauthorized and improperly obtained, causing damage to my credit file. No credit-seeking activity from my side justifies this inquiry. 
XXXX XXXX XX/XX/XXXX Issue : Duplicate or unauthorized inquiry made on the same day as another XXXX entry. 
Law Violated : FCRA 604 ( a ) ( 3 ) ( A ) and 616 consumer rights to privacy and liability for unauthorized access. 
Story : A second XXXX XXXX pull on the same day points to either bundling or system abuse. I never submitted multiple applications, and these duplicate inquiries penalize my credit unfairly. 
XXXX XXXX XXXX  XX/XX/XXXX Issue : No known credit application was made to XXXX XXXX XXXX XXXX 
Law Violated : FCRA 604 & 615 permissible use and adverse action disclosure rules.

Story : I did not apply for any vehicle, loan, or financial product with XXXX XXXX. This appears to be a third-party dealership submission without disclosure. My privacy was violated, and this has caused unnecessary damage to my score. 
XXXX XXXX XXXX XX/XX/XXXX Issue : Inquiry conducted without direct authorization or credit request.

Law Violated : FCRA 604 ( b ) ( 2 ) Written authorization is required before a hard pull for employment or credit. 
Story : I never interacted with XXXX XXXX XXXX, nor applied for financing there. This unauthorized inquiry is hurting my score and reputation. I was not even informed of this pull. 
XXXX XX/XX/XXXX Issue : XXXX XXXX pulled my credit without consent or formal credit application. 
Law Violated : FCRA 604 ( a ) ( 3 ) ( A ) and 607 ( a ). 
Story : XXXX XXXX had no reason to access my credit file. I did not give permission, and this unauthorized access is both harmful and suspicious. It may be linked to third-party submissions. 
XXXX XXXX XXXXXXXX XX/XX/XXXX Issue : XXXX XXXX XXXX  conducted a credit pull without valid reason or authorization. 
Law Violated : FCRA 604 ( a ) and 616 unauthorized access and civil liability. 
Story : I never requested any credit from this bank. I was unaware of the inquiry and believe it was submitted without my knowledge or permission. It is harming my credit unnecessarily. 
Conclusion and Request : These issues are not isolated, but part of a pattern of reckless and negligent reporting. I have attempted to dispute these items directly with the credit reporting agencies and the furnishers, but no reasonable investigation or correction has been made. Under FCRA 611 and FDCPA 809 ( b ), I have the right to a full and fair investigation and to have unverifiable or inaccurate information removed. I respectfully request the Consumer Financial Protection Bureau investigate these violations, enforce correction and deletion of these inaccuracies, and hold the responsible parties accountable for noncompliance.

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