Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting a formal dispute regarding multiple inaccurate and misleading entries on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. These errors have caused significant financial and emotional harm, including loan denials, elevated interest rates, and repeated stress. I request immediate investigation, correction, or deletion of these items. 
Account Disputes and Issues : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Late Payment I have consistently made all payments on time. The reporting of late payments is inaccurate. This misreporting has caused higher interest rates on credit products I applied for, multiple declined applications, and unnecessary stress, affecting both my personal and professional life. This inaccurate record directly violates FCRA 1681s-2 and misrepresents my credit reliability. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment Reporting a late payment on an account with XXXX balance is factually incorrect. The presence of this error on my credit report has caused undue stress and confusion, especially when reconciling my accounts for loan applications. FCRA 1681e ( b ) mandates accurate reporting, which has clearly not been followed in this case. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$5400.00} Charge Off I dispute this charge-off as false. I have never defaulted on this account in the manner reported. The false charge-off has led to denied credit cards, elevated interest rates, and a negative impact on my professional background checks, resulting in stress and financial limitations. FCRA 1681i requires accurate and verified reporting ; failure to comply constitutes negligence or willful misrepresentation. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} Collection This account is inaccurately reported as a collection. I have always made payments on time and have never received collection notices. This false reporting has caused repeated loan application denials and has created confusion with my banking and credit accounts, forcing me to spend hours disputing the error. The misrepresentation of this account is a direct violation of FCRA 1681s-2 and demonstrates negligent reporting practices. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4700.00} Collection This account is falsely reported in collection. I have never incurred a debt with this creditor, and the reporting has led to unnecessary stress, denied credit applications, and obstacles in securing housing. Reporting accounts without proper verification violates FCRA 1681i and FDCPA 1692e, and it is materially damaging my financial reputation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off This account is incorrectly reported as charged off. I have documentation showing that the account was settled and fully paid, and yet it continues to negatively affect my credit profile. This false charge-off has impacted my ability to secure new credit and increased my insurance premiums, reflecting a violation under FCRA 1681s-2 ( b ) and 1681e ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00} Charge Off This account is reported as a charge-off in error. I dispute the accuracy of this reporting, and the misrepresentation has caused loan application denials and elevated interest rates, preventing me from accessing fair credit opportunities. Reporting false charge-offs violates FCRA 1681e ( b ) and constitutes willful or negligent misreporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Charge Off This account is inaccurately listed as a charge-off. I have records of timely payments and proper account closure, and yet it appears as delinquent. This reporting error has caused financial stress, difficulty in securing personal loans, and unnecessary disputes with potential lenders, which is a clear violation of FCRA 1681s-2 ( b ). 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$10000.00} Charge Off I dispute this charge-off as inaccurate. I have never defaulted on this account, and the reporting has led to multiple credit application denials and emotional distress, including concerns about job eligibility and professional credibility. The false reporting violates FCRA 1681i and constitutes negligent reporting. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5400.00} Charge Off This account is incorrectly reported as charged off. I dispute this reporting and request immediate verification or deletion. The presence of this false charge-off interferes with my ability to obtain credit, rent housing, and maintain financial stability, which is a violation of FCRA 1681e ( b ). 
These inaccuracies have caused substantial financial and emotional harm, including denied credit applications, increased loan interest rates, difficulty securing housing, misdirected mail, and repeated efforts to correct my personal financial records. I demand immediate removal or correction of all disputed items, and I expect written confirmation of the investigation outcome within the 30-day period mandated by FCRA 1681i ( a ). 
These inaccuracies have caused substantial financial and emotional harm, including repeated loan denials, elevated interest rates, difficulty renting housing, and ongoing stress monitoring my credit report. I demand immediate removal or correction of all disputed items and request written confirmation of the investigation outcome within the 30-day period mandated by FCRA 1681i ( a ). 
I am attaching supporting documentation, including account statements, payment records, and correspondence, to substantiate my disputes. Failure to correct these errors may result in formal legal action under FCRA and FDCPA, including claims for willful or negligent violations 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