Consumer complaint received 2025-09-23 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: AL

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit report, specifically relating to collections reported by XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ( XXXX ). These accounts are being reported incorrectly, causing significant damage to my creditworthiness, financial opportunities, and personal well-being. 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., furnishers and credit reporting agencies are legally obligated to ensure that all reported information is accurate, complete, and verifiable. I am formally requesting immediate investigation, correction, and removal of these inaccurate entries. 
XXXX XXXX XXXX XXXX  High Balance : {$0.00} Date Opened : XX/XX/XXXX Charge Off -- - This account was reported as charged-off even though the balance is {$0.00} and I have never received any legitimate notice indicating a default. I have repeatedly contacted the creditor, providing documentation that shows no outstanding debt exists, yet the charge-off remains on my credit file. This is misleading and a violation of FCRA 1681s-2 ( b ), which requires furnishers to report only accurate information. Reporting a {$0.00} balance as a charge-off creates false negative information, damages my credit, and affects my ability to secure loans or housing. The reporting is deceptive, and I request the immediate removal of this incorrect charge-off. 
XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$560.00} Date Opened : XX/XX/XXXX Charge Off -- - This account shows a charge-off that I dispute. I have consistently attempted to resolve this matter directly with the lender, including phone calls, emails, and written correspondence, all of which document my attempt to bring the account to a proper resolution. Despite my efforts, this charge-off remains reported inaccurately, negatively affecting my XXXX XXXX. Reporting an account as charged-off without factual basis violates the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, as it is unfair, misleading, and materially harmful. This inaccurate reporting has caused financial stress and has prevented me from accessing fair credit. 
XXXX XXXX XXXX XXXX High Balance : {$400.00} Date Opened : XX/XX/XXXX Charge Off -- - This account was wrongly reported as a charge-off despite my compliance with repayment arrangements and repeated attempts to correct any discrepancies. I have evidence, including bank statements and correspondence with the creditor, proving that I have made payments and requested verification. Misreporting this account as charged-off is both inaccurate and harmful under FCRA 1681i, and it unfairly penalizes me for events that never occurred. The inaccurate reporting is damaging to my reputation and has created undue stress. I demand immediate correction and removal. 
XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$3000.00} Date Opened : XX/XX/XXXX Charge Off -- - This account has been reported as a charge-off, which is inaccurate. I dispute the validity of this debt and have repeatedly requested validation and correction. Despite submitting supporting documentation, the charge-off remains, which is a violation of FCRA XXXX ( a ) ( XXXX ) that requires furnishers to provide accurate and verifiable information. The continued reporting of this false charge-off is causing financial and emotional harm, including affecting my ability to obtain new credit or housing. I request immediate investigation and removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$19000.00} Date Opened : XX/XX/XXXX Charge Off -- - This account has been reported as a charge-off for a debt that is disputed. I have documentation that clearly indicates my account history and payments, contradicting the charge-off status. Reporting false charge-offs violates FCRA 1681s-2 and is materially harmful. This inaccurate information has negatively impacted my financial opportunities, including mortgage applications, auto loans, and credit card approvals. I have repeatedly tried to resolve this with the creditor but have received no resolution. Immediate correction and removal are necessary. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$34000.00} Date Opened : XX/XX/XXXX Late Payment -- - This account incorrectly shows late payments that I dispute. I have proof of timely payments, including receipts, confirmation emails, and bank statements. Despite providing this information to both the creditor and credit reporting agencies, the late payments remain reported, violating FCRA XXXX which mandates that disputed items be investigated. These false late payments have lowered my XXXX XXXX, increased my interest rates, and caused significant financial hardship. I request immediate investigation and correction. 
XXXX XXXX XXXX XXXX  High Balance : {$4300.00} Date Opened : XX/XX/XXXX XXXX -- - This collection account is reported with a balance that is not accurate and is disputed. I have submitted evidence showing that I do not owe this debt in the amount reported, and I have repeatedly requested verification. Failure to properly verify and remove inaccurate collections violates FCRA 1681s-2 and FDCPA 1692, causing financial harm, stress, and unjust obstacles to obtaining housing or credit. Immediate action is required to correct this error. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$860.00} Date Opened : XX/XX/XXXX Collection -- - This account duplicates the previously disputed XXXX XXXX XXXX collection. The repeated reporting of the same disputed debt is inaccurate and unfair, violating FCRA 1681c and 1681s-2. I have already provided documentation to dispute this account, yet it continues to appear, causing further damage to my credit profile and making it more difficult to obtain loans or services. I request immediate removal of this duplicate and inaccurate collection. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$510.00} Date Opened : XX/XX/XXXX Collection -- - This account is another reporting of XXXX XXXX XXXX with the same disputed balance. Despite my disputes and requests for verification, this collection remains inaccurately reported. FCRA 1681i requires proper investigation of disputed items, and the continued presence of this inaccurate collection is materially harmful. I demand immediate investigation and removal. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$590.00} Date Opened : XX/XX/XXXX Collection -- - This account duplicates the previously disputed XXXX Funding account. Reporting duplicate and inaccurate collections is misleading, harmful, and violates FCRA 1681s-2. I have disputed this account and requested verification, yet it continues to appear and negatively affects my XXXX XXXX. Immediate correction and removal are necessary. 
I request that the CFPB immediately investigate these matters, require the credit reporting agencies and furnishers to verify the validity of each account, remove all inaccurate collections and duplicate entries, and provide updated credit reports reflecting the corrections. The continued reporting of these inaccuracies has caused me financial harm, emotional distress, and difficulty in accessing fair credit and basic financial services. 
I certify that all statements herein are true to the best of my knowledge and request urgent action under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

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