Consumer complaint received 2025-09-24 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 submitting this complaint regarding multiple inaccurate, misleading, and unauthorized entries on my credit report. My prior CFPB complaint remains open. I have not submitted an FTC complaint yet. This letter details all disputed items, each including legal references and narratives describing the harm caused. The reporting of these inaccuracies violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires accurate, complete, and timely reporting of consumer credit information. 
XXXX XXXX XXXX Charge Off High Balance : {$13000.00} Date Opened : XX/XX/XXXX * * This account has been inaccurately reported as a charge-off. I dispute the legitimacy of the balance and the circumstances of this charge-off. XXXX failed to provide accurate and timely account information, violating 15 U.S.C. 1681s-2 ( a ) and 1681i. The incorrect reporting has caused severe damage to my creditworthiness, including denial of loans, higher interest rates, and constant stress. I demand a full investigation, validation of the debt, and immediate correction of my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX Late Payment High Balance : {$360000.00} Date Opened : XX/XX/XXXX * * This account contains repeated late payment entries that are inaccurate and do not reflect my payment history. XXXX XXXX XXXX XXXX has failed to report accurate dates of payment and failed to correct errors upon my direct disputes. Such reporting constitutes a violation of FCRA 1681s-2 ( b ), which obligates furnishers to correct and report only accurate information. These false late payments have caused undue financial and emotional harm. I demand their immediate removal and a corrected report. 
XXXX XXXX XXXX Charge Off High Balance : {$670.00} Date Opened : XX/XX/XXXX * * This account has been wrongly reported as a charge-off. I have made every effort to resolve this account, and the reporting of it as a charge-off is incorrect, misleading, and harmful. Under 15 U.S.C. 1681i ( a ), I am entitled to dispute inaccurate information and have it corrected promptly. The continued presence of this inaccurate charge-off on my credit report is damaging my financial credibility. I request immediate deletion or correction. 
XXXX XXXXXXXX XXXX Late Payment High Balance : {$380.00} Date Opened : XX/XX/XXXX * * This account contains inaccurate late payment reporting. I have consistently made timely payments, and XXXX XXXX has failed to verify the accuracy of its reporting. Reporting false late payments violates my rights under the FCRA, 15 U.S.C. 1681i. These errors are harming my credit score, affecting my ability to access credit, and causing financial and emotional stress. I demand the removal of these inaccurate late payment entries. 
XXXX XXXX Late Payment High Balance : {$270.00} Date Opened : XX/XX/XXXX * * This account has been inaccurately reported as containing late payments. I have disputed these directly with the furnisher, but no corrective action has been taken. Such misreporting constitutes willful noncompliance with FCRA 1681s-2 ( a ) and ( b ). I am harmed by these inaccuracies, including denial of financial opportunities and stress. I demand immediate investigation, correction, and deletion of this inaccurate reporting. 
XXXX XXXX Late Payment High Balance : {$990.00} Date Opened : XX/XX/XXXX * * This account has been inaccurately reported as having late payments. I have consistently made timely payments, and the reported late payment is false. This is a violation of 15 U.S.C. 1681s-2 ( a ) and 1681i, which obligates furnishers to ensure the accuracy of reported information. The false late payment reporting has caused undue harm to my credit profile, including denial of credit and emotional distress. I demand immediate correction or deletion. 
XXXX XXXX XXXX Reference # XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX This bankruptcy entry is being inaccurately reported in connection with my credit profile. I dispute the accuracy of this reference, including dates and filing information. Misreporting of bankruptcy information violates 15 U.S.C. 1681e ( b ) and 1681i, causing severe impact on my credit opportunities, loan approvals, and financial stability. I demand full validation or removal of this entry immediately. 
XXXX  XXXX Inquiry XX/XX/XXXX This inquiry was made without my authorization and is incorrectly reported. Unauthorized credit inquiries are a violation of the FCRA, 15 U.S.C. 1681b. The presence of this inquiry harms my credit score and misrepresents my financial conduct. Immediate deletion is required. 
XXXX Inquiry XX/XX/XXXX This inquiry was made without my consent and is inaccurate. Reporting unauthorized inquiries violates FCRA provisions, and it harms my credit report. I demand prompt deletion. 
XXXX XXXX Inquiry XX/XX/XXXX This inquiry is inaccurate and unauthorized. Reporting it violates 15 U.S.C. 1681b and negatively affects my credit score. Immediate deletion is required.

I demand that all inaccurate addresses, accounts, late payments, charge-offs, bankruptcies, and unauthorized inquiries be corrected or removed immediately. Continued reporting of inaccurate information violates the FCRA and has caused ongoing financial, credit, and emotional harm. I request written confirmation of investigation results and corrective actions for each disputed item.

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 explanation