Consumer complaint received 2025-09-06 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:
I am filing this complaint because my credit report contains serious inaccuracies including a false address and multiple accounts with late payment reporting that are not accurate. These errors are violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other consumer protection laws. I am requesting immediate investigation, deletion, and correction of the following items XXXX XXXX XXXX XXXX XXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXX Late Payment This account shows late payments that are false and not backed by documentation. Every time I apply for credit, this inaccurate item creates the impression that I am irresponsible, even though I have worked hard to stay on track. Because of this false reporting, I was rejected for a credit card that I needed for emergency use, and I also faced embarrassment when my application for a rental apartment was denied after the landlord checked my credit. FCRA Section 611 requires a proper reinvestigation, but no proper proof has been provided. This negligence has created personal humiliation and financial hardship XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$630.00} Date Opened : XX/XX/XXXX Late Payment This account is showing false negative payment history. I already sent disputes and asked for validation, but instead of correcting, the negative information continues to appear. Because of this, I have been treated unfairly by lenders, and I had to accept much higher interest rates on a small credit line. This caused me to pay hundreds of dollars more in interest, money that I could not afford. Under FCRA Section 623 ( a ) ( 1 ) ( A ), furnishers are not allowed to provide information they know or should know is inaccurate. This account is directly harming my financial survival XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$0.00} Date Opened : XX/XX/XXXX Late Payment This account is showing late payments even though the balance is {$0.00}. This is a completely false and misleading entry. Because of this report, I was denied a job opportunity that required a clean credit history. It is humiliating to be treated as irresponsible when there is no valid debt. Under FCRA Section 607 ( b ), reporting inaccurate data is unlawful. This mistake is not just damaging financially but also emotionally, as I lost confidence and suffered stress when I was denied employment due to something that should not even exist in my file XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$27000.00} Date Opened : XX/XX/XXXX Late Payment This account is reporting late payments that are inaccurate and unverified. XXXX XXXX XXXX has failed to provide proof of the alleged lates despite my repeated disputes. Because of this false reporting, I was unable to refinance my auto loan, and I am forced to pay a much higher monthly payment than I could have with corrected information. This creates financial hardship every single month, and I feel trapped in a debt situation that is not even my fault. FCRA Section 609 ( a ) ( 1 ) entitles me to receive documentation, but no proof has been given. This has created stress, sleepless nights, and financial instability. It is unlawful and demonstrates willful noncompliance under FCRA Section 616 These inaccurate items combined have destroyed my credit score, led to denials for credit, housing, and employment, and caused me to pay higher costs for insurance and loans. I am requesting the CFPB to take strict enforcement action and require the credit bureaus and furnishers to delete or correct these inaccurate items immediately. I reserve my rights under FCRA Section 616 and 617 to pursue legal action for damages caused by willful or negligent noncompliance if these violations are not corrected

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