Consumer complaint received 2025-10-26 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: IL

Complaint narrative:
I am filing this complaint against multiple furnishers and credit bureaus for willfully reporting false, inaccurate, and unverifiable information across my credit reports. 
Despite multiple disputes and notices, the furnishers listed below continue to violate my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and 15 U.S.C. XXXX, by publishing contradictory data, re-aging accounts, and failing to validate alleged debts. 

These false reports have caused ongoing harm, including credit denials, emotional distress, and loss of financial opportunities. Each inaccuracy constitutes a separate statutory violation. I am requesting immediate deletion of the accounts listed, full correction of my consumer file, and compensation for damages totaling {$47000.00}. 

XXXX. XXXX XXXX / XXXXXXXX XXXX  Inaccuracies : Reported inconsistent balance and payment history between bureaus. 

Account marked as open on one report, paid/closed on another. 

Missing verification of debt obligation under 15 U.S.C. 1681i.

Violations : FCRA 607 ( b ) : Failure to ensure maximum accuracy.

FCRA 611 ( a ) : Failure to properly reinvestigate disputed data.

FDCPA 807 ( 8 ) : Reporting false credit information.

FDCPA 809 ( b ) : Failure to validate upon dispute.

15 U.S.C. 1681s-2 ( b ) : Continued furnishing after notice of dispute.

Resolution : Delete immediately and compensate {$5000.00} for willful noncompliance. 

XXXX. XXXX XXXX Services Inaccuracies : Contradictory balance and payment history across reports. 

Marked open while simultaneously showing charge-off. 

No written validation or billing statement provided. 

Violations : FCRA 607 ( b ) : Inaccurate reporting of account status.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing known inaccurate data.

FDCPA 807 ( 2 ) ( A ) : Misrepresenting character of the debt.

FDCPA 809 ( b ) : Collection activity without verification. 

XXXX XXXX. XXXX : Willful noncompliance causing consumer harm. 

Resolution : Delete tradeline and compensate {$5000.00}. 

XXXX. XXXX XXXX XXXX Inaccuracies : Account showing conflicting open and closed dates across bureaus. 

Inconsistent delinquency counts and payment history. 

Reported past-due balance despite no verified statement of account. 

Violations : FCRA 607 ( b ), 611 ( a ) : Inconsistent reporting and failed reinvestigation.

FDCPA 807 ( 8 ) : False representation of debt.

FDCPA 809 ( b ) : No validation notice provided. 

XXXX XXXX. XXXX ( b ) : Reporting unverified data. 

FCRA 623 ( b ) : Failure to correct after dispute. 

Resolution : Delete immediately and compensate {$5000.00}. 

XXXX. XXXX XXXX XXXX Inaccuracies : Reported as open and charged off at the same time. 

Conflicting payment histories across bureaus. 

Inaccurate date of last payment and date of last activity. 

Violations : FCRA 607 ( b ), 623 ( a ) ( 1 ) ( A ) : Furnishing false information.

FDCPA 807 ( 2 ) ( A ) : Misrepresentation of account status.

FCRA 611 ( a ) : Failure to delete unverifiable data.

FDCPA 809 ( b ) : No validation notice provided.

15 U.S.C. 1681i : Inadequate reinvestigation procedures.

Resolution : Delete tradeline and compensate {$5000.00}. 

XXXX. XXXX XXXX XXXX XXXX XXXX  Inaccuracies : Reported inconsistent monthly payments ( {$1300.00} vs {$1300.00} ). 

Account type varies between mortgage and collection. 

Payment status conflicts between bureaus. 

Violations : FCRA 607 ( b ) : Conflicting and unverifiable data.

FCRA 611 ( a ) : Inadequate reinvestigation.

FDCPA 807 ( 8 ) : False representation.

15 U.S.C. 1681s-2 ( b ) : Continued reporting after dispute.

Resolution : Delete account and compensate {$4000.00}. 

XXXX. XXXX XXXX XXXX # XXXX Inaccuracies : Conflicting dates of activity ( XXXX vs XXXX ). 

Reported as collection and installment. 

No proof of validation or assignment of debt. 

Violations : FCRA 607 ( b ) : Failure to ensure accuracy. 

FCRA 611 ( a ) : Failure to reinvestigate.

FDCPA 807 ( 8 ) : False reporting.

FDCPA 809 ( b ) : Lack of validation.

15 U.S.C. 1681s-2 ( b ) : Reporting after dispute notice.

Resolution : Delete immediately and compensate {$5000.00}. 

XXXX. XXXX XXXX XXXX # XXXX Inaccuracies : Listed as both open collection and charge-off. 

No documentation of debt transfer or ownership.

Violations : FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing known inaccurate data.

FCRA 611 ( a ) ( 5 ) : Failure to delete unverifiable data.

FDCPA 807 ( 2 ) ( A ) : Misrepresenting character of the debt.

FDCPA 809 ( b ) : No proof of validation.

15 U.S.C. 1681n : Willful noncompliance.

Resolution : Delete and compensate {$5000.00}. 

XXXX. XXXX XXXX XXXX # XXXX Inaccuracies : Conflicting open dates and multiple charge-off entries. 

Reporting as open on one bureau and closed on another.

Violations : FCRA 607 ( b ) : Data inconsistency across bureaus.

FCRA 623 ( b ) : Continued false furnishing.

FDCPA 807 ( 10 ) : Deceptive means to collect.

FDCPA 809 ( b ) : Failure to validate.

15 U.S.C. 1681s-2 ( b ) : Reporting after dispute.

Resolution : Delete and compensate {$5000.00}. 

XXXX. XXXX XXXX XXXX # XXXX Inaccuracies : Listed as open and closed on different bureaus. 

Reported past due with no evidence of liability. 

Violations : FCRA 623 ( a ) ( 1 ) ( B ) : Continued reporting after dispute notice.

FDCPA 809 ( b ) : No validation provided.

FCRA 607 ( b ) : Willful inaccuracy.

FDCPA 807 ( 8 ) : False credit data.

15 U.S.C. 1681n : Willful noncompliance with FCRA.

Resolution : Delete immediately and compensate {$5000.00}.

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