Consumer complaint received 2025-08-16 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: LA

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ) : I am submitting this complaint because my credit reports contain multiple inaccuracies, unverifiable accounts, unauthorized inquiries, and wrong addresses. These errors are severely harming my creditworthiness and are in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite my rights under federal law, the credit bureaus and furnishers have failed to ensure maximum possible accuracy of the information they report about me. 
My report also shows numerous charge offs that are inaccurate and damaging. For example, the XXXX account ending in XXXX, opened on XX/XX/XXXX, is reported as a charge off with a balance of {$160.00}. The issue is that this account was not delinquent in the way described, and its classification as a charge off is misleading. According to FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ), information must be reported accurately and be verifiable. The story behind this account is that I maintained communication with the creditor and never abandoned my obligations, yet my file now unfairly reflects financial irresponsibility. This has resulted in denials for even basic credit opportunities, and the negative impact continues. 
The same applies to several XXXX XXXX accounts. XXXX XXXXXXXX XXXX account ending in XXXX, opened on XX/XX/XXXX, shows a balance of {$700.00} as a charge off. This is inaccurate, and under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting false information. At the time, I was dealing with a temporary financial hardship, but I made efforts to resolve the account. The reporting of this as a charge off paints me as negligent when the truth is very different. Another XXXX XXXX account with the same number, opened on XX/XX/XXXX, shows a balance of {$760.00} and is also listed as a charge off. This creates a duplicate and misleading impression, which is a violation of FCRA 607 ( b ) that requires maximum possible accuracy. Having multiple accounts from the same creditor marked as charge offs makes me appear habitually irresponsible when that is not the case. Additionally, the XXXX XXXX account opened on XX/XX/XXXX, shows a XXXX balance yet is still reported as a charge off. This is contradictory reporting that violates FCRA 623 ( a ) ( 2 ), as the account can not be both resolved and charged off at the same time. The harm caused by this contradiction has been severe, making it impossible for me to obtain fair credit. 
My XXXX account ending in XXXX, opened on XX/XX/XXXX, with a balance of {$180.00}, is also inaccurately reported as a charge off. Under FCRA 623 ( b ), furnishers must investigate and correct inaccuracies. To this day, no proof has been provided that this account was actually charged off. Yet the reporting continues to harm my creditworthiness. Another XXXX XXXX account ending in XXXX, opened on XX/XX/XXXX, with a balance of {$470.00}, is also marked as a charge off, which I dispute. Under FCRA 609 and 611, I have the right to demand proof of accuracy, and unless such proof is produced, this account must be deleted. 
The late payment reporting on several accounts is also false and misleading. XXXX XXXX XXXX XXXXXXXX account ending in XXXX, opened on XX/XX/XXXX, reflects a XXXX balance yet still shows late payments. This is contradictory and violates FCRA 607 ( b ). A XXXX balance means no payment is due, so there can be no late payment. The XXXX XXXX XXXX account ending in XXXX, opened on XX/XX/XXXX, shows a balance of {$22000.00} with late payments, which is inaccurate. FCRA 611 requires a proper reinvestigation, and I know for a fact that arrangements had been made with the creditor. Similarly, the XXXX account opened on XX/XX/XXXX, with a XXXX balance, is also reported with late payments, which is impossible and therefore unlawful reporting. 
The Possible Finance account ending in XXXX, opened on XX/XX/XXXX, shows a small balance of {$77.00} but is listed as a charge off. For such a minimal amount, this designation is unreasonable and harmful. The XXXX account, opened on XX/XX/XXXX, also inaccurately reflects a charge off. Under FCRA 623 ( a ) ( 1 ), creditors must ensure accuracy, and this is clearly not accurate. The Self/Lead account, opened on XX/XX/XXXX, shows a XXXX balance but includes late payment notations, which is contradictory and misleading. The XXXX account, opened on XX/XX/XXXX, with a balance of {$490.00}, is also reported with late payments that never occurred. Each of these accounts has been inaccurately reported, and each instance is a violation of my rights. 
Collections listed on my report are equally damaging and inaccurate. The XXXX account opened on XX/XX/XXXX, with a balance of {$580.00}, is not mine. Under FCRA 609 and 611, unverifiable accounts must be deleted. The XXXX XXXX account opened on XX/XX/XXXX, with a balance of {$1500.00}, is also inaccurate and unverifiable. The XXXX XXXX account ending in XXXX, opened on XX/XX/XXXX, shows a balance of {$670.00}, but this debt was already settled. Its continued reporting is in violation of FCRA 623 ( b ). The XXXX account ending in XXXX, opened on XX/XX/XXXX, with a balance of {$350.00}, does not belong to me and should never have been reported. Similarly, the XXXX XXXX account ending in XXXX, opened on XX/XX/XXXX, with a balance of {$1200.00}, is not mine. The XXXX XXXX account opened on XX/XX/XXXX, with a balance of {$4300.00}, is another collection account that can not be verified. These collection accounts are damaging my credit and are unlawful. 
Finally, I dispute the unauthorized inquiries listed on my file. Inquiries from XXXX XXXX, XXXX, and XXXX, all dated XX/XX/XXXX, were not authorized by me. Under FCRA 604, consumer reporting agencies are required to ensure that inquiries are made only with a permissible purpose. These inquiries were not approved by me and must be removed.

Closing Statement The presence of wrong addresses, unverifiable accounts, and unauthorized inquiries is clear evidence of violations of my rights under federal law. These errors have caused me significant financial and personal harm by lowering my credit score, limiting my access to fair credit opportunities, and exposing me to risks of identity theft.

I request the CFPBs assistance to enforce the law and ensure that the credit bureaus and furnishers immediately correct or delete all inaccurate, unverifiable, and unauthorized information listed in this complaint.

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