Consumer complaint received 2025-08-05 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 to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, unauthorized, and unverifiable entries appearing on my credit report. I am exercising my rights under the FCRA and related consumer protection laws to report serious violations that have caused damage to my credit profile, my financial opportunities, and my personal life. I have already attempted to resolve these matters directly with the credit reporting agencies, but they failed to conduct proper investigations or provide evidence. I am now escalating this to the CFPB for enforcement and action. Below are the specific accounts and inquiries in question. 
ACCOUNT : XXXX XXXX Account # : XXXXXXXX XXXX  High Balance : {$430000.00} Date Opened : XX/XX/XXXX Status : Late Payment * * Law : FCRA 611 ( 15 U.S. Code 1681i ), FCRA 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) Issue : Inaccurate reporting of late payment without full validation of payment history or creditor authorization Story : I am disputing this account due to a misreported late payment which I have already addressed previously with no proper verification returned by the data furnisher. The continued reporting without evidence constitutes a violation of FCRA. I demand a reinvestigation with documented proof of the alleged late payment directly from the original creditor or immediate deletion of this derogatory mark ACCOUNT : XXXX Account # : XXXXXXXX XXXX High Balance : {$3900.00} Date Opened : XX/XX/XXXX Status : Charge Off * * Law : FCRA 609 ( 15 U.S. Code 1681g ), FCRA 611, FDCPA Section 807 ( 8 ) Issue : Unverified charge-off status with no original contract or validation provided Story : This account was marked as a charge-off without providing a signed contract or itemized breakdown of the alleged balance. This lack of verification after my previous dispute is a clear FCRA violation. If this debt can not be 100 % verified with original documents, including signatures, it must be permanently removed ACCOUNT : XXXX Account # : XXXXXXXX XXXX XXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXX Status : Charge Off * * Law : FCRA XXXX, FCRA XXXX, FDCPA XXXX XXXX XXXX ( b ) Issue : No contract, no billing statements, no validation of charge-off Story : I previously requested validation and proof of this debt, and none was provided. The continued reporting of this account is causing damage to my credit profile and is not in compliance with FCRA requirements. If original records and authorization of this debt can not be produced, you must delete this item ACCOUNT : XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXX High Balance : {$7100.00} Date Opened : XX/XX/XXXX Status : Late Payment * * Law : FCRA 611, FCRA 607 ( b ) Issue : Late payment reporting lacks supporting documentation from creditor Story : I have disputed this account due to a late payment that I do not recognize. No supporting documents or payment history were provided in the first dispute round. I am requesting immediate reinvestigation and removal unless you can validate the delinquency with actual payment records from XXXX XXXX ACCOUNT : XXXX XXXX Account # : XXXXXXXX XXXX  High Balance : {$29000.00} Date Opened : XX/XX/XXXX Status : Late Payment * * Law : FCRA 611, 15 U.S. Code 1681e ( b ) Issue : No substantiation of late payment claim from creditor Story : I dispute the accuracy of this reported late payment. In my initial dispute, no validation was provided. I demand that Ally Financial submit original records proving this late payment or that the credit bureau delete the account as unverified and incomplete ACCOUNT : XXXXXXXX XXXX Account # : XXXXXXXX XXXX High Balance : {$21000.00} Date Opened : XX/XX/XXXX Status : Late Payment * * Law : FCRA 611, FCRA 607 ( b ) Issue : Late payment not verified by proper documentation Story : This account is being reported with a late payment that I am not aware of. I requested verification during the previous dispute round, but the creditor failed to provide any proof. I request deletion due to non-compliance with federal law and failure to verify the disputed entry ACCOUNT : XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$27000.00} Date Opened : XX/XX/XXXX Status : Charge Off * * Law : FCRA 609, FCRA 611, FDCPA Section 809 ( b ) Issue : Charge-off status unverified and unsupported Story : This account remains on my credit report as a charge-off without any legal documentation, including no signed contract or billing statements from XXXX XXXX. This is a violation of my consumer rights under the FCRA and FDCPA. I request that this item be removed due to the failure of the original furnisher to validate the debt I am respectfully requesting the Consumer Financial Protection Bureau ( CFPB ) to launch a full investigation into these inaccurate accounts and unauthorized inquiries. If the furnishers or credit bureaus can not provide clear and complete documentation validating these entries, they must be permanently removed from my credit report. I also ask that CFPB ensure these data furnishers and credit bureaus are held accountable for violating consumer protection laws. This complaint is submitted in good faith to seek justice, transparency, and the restoration of my financial reputation.

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