Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
This is a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) regarding numerous inaccuracies and violations found on my credit report that are seriously affecting my financial reputation and opportunities I demand a full reinvestigation under the FCRA as these errors are unjustified and were never verified or validated properly despite my previous efforts I am exercising my rights under the FCRA to dispute these items and holding all reporting parties accountable including the credit bureaus and furnishers I am requesting immediate deletion and correction where applicable. 
ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$190.00} Status : Chargeoff Law : FCRA 623 ( a ) ( 1 ) ( A ), FCRA 611, FCRA 602 ( b ) Issue : Reporting a charge-off that is not my responsibility and lacks full verification Story : I have no recollection of ever opening or agreeing to this account. It was marked as a charge-off, yet I have not received any notices or collection efforts from any original or subsequent lender. I requested proof in my first round, and you failed to validate this account properly. Continuing to report unverifiable and inaccurate information is a violation of federal law. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$520.00} Status : Late Payment Law : FCRA 623 ( a ) ( 1 ) ( A ), FCRA 611, FCRA 607 ( b ) Issue : Late payments are being reported inaccurately without proper verification Story : This account shows late payment history that I do not recognize. I have not been provided with payment records or a billing breakdown. No substantiated documents were sent during the first dispute. Reporting incomplete or inaccurate payment history damages my profile and violates my rights. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$500.00} Status : Late Payment Law : FCRA XXXX ( a ), FCRA XXXX, FCRA XXXX ( b ) Issue : Late payments reported without factual verification Story : This entry was not verified with any billing statements or legally valid records. I requested these in my first dispute, and your response failed to provide acceptable documentation. Continued reporting of unverifiable data after dispute is negligent and unlawful under the FCRA. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$0.00} Status : Late Payment Law : FCRA 611, FCRA 623 ( b ), FCRA 607 ( b ) Issue : Inaccurate and unverifiable reporting of late payments Story : This account appears to relate to a public or local government obligation that I never agreed to or received notice for. No correspondence or documentation has ever been received, and your bureau failed to verify it with proper legal records in the initial dispute. 

INQUIRY XXXX XXXX  Date : XX/XX/XXXX Law : FCRA XXXX ( a ) ( XXXX ), FCRA XXXX ( a ) Issue : Unauthorized hard inquiry Story : I never gave written or permissible purpose for this inquiry. I did not apply for any services with this entity. If this inquiry can not be shown to have my written consent or application record, it must be removed. 

INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Law : FCRA XXXX ( a ) ( XXXX ), FCRA XXXX ( a ) Issue : Unauthorized hard inquiry Story : This was pulled without my knowledge or permission. I never submitted an application to this dealership, and I request documentation showing my consent. 

INQUIRXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Law : FCRA XXXX ( a ) ( XXXX ), FCRA XXXX ( a ) Issue : Lack of permissible purpose Story : I did not authorize TD Auto Finance to access my credit report. Under FCRA, you must ensure all inquiries are based on consumer-initiated applications. 

I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my credit report continues to reflect inaccurate and unverifiable information despite my rights under federal law These errors are damaging my credit and preventing me from securing housing and financial opportunities I am requesting an immediate and complete investigation by the CFPB and demand that all unverifiable inaccurate and unauthorized items listed above be removed from my credit report promptly under my rights in the FCRA.

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 explanation