Consumer complaint received 2025-08-07 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: FL

Complaint narrative:
Dear CFPB Representative, I am filing this formal complaint to report serious and repeated violations of my consumer rights by credit reporting agencies and data furnishers. The following inaccurate and damaging items are being reported on my credit file despite being false, unverifiable, or outright misrepresented. I have disputed these items multiple times, but they continue to remain on my credit report without correction or resolution. 
XXXX XXXXXXXX * * Date Opened : XX/XX/XXXX High Credit : {$1800.00} * * Issue : Late Payments Law Cited : FCRA XXXX Failure to investigate disputed information Story : Late payments were reported during a period when I was experiencing severe personal hardship due to medical and financial instability caused by the XXXX pandemic. I requested temporary hardship assistance which was never properly recorded. I dispute the accuracy of the payment reporting and request a full investigation. 
XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX High Credit : {$1000.00} * * Issue : Late Payments Law Cited : FCRA XXXX Story : I had arranged a payment modification plan, yet the lender inaccurately marked my file late. This has harmed my score without justification. I request a correction or deletion based on inaccurate reporting. 
XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX High Credit : {$27000.00} * * Issue : Late Payments Law Cited : FCRA XXXX Story : Due to temporary job loss, I missed a few payments. However, these were later resolved and brought current. The continued reporting of those late payments is misleading and punitive, and I am requesting correction or removal. 
XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX High Credit : {$24000.00} * * Issue : Late Payments Law Cited : FCRA 1681e ( b ) Story : Payment history is being reported inaccurately. I requested an audit of this account with the original creditor, and the discrepancy has not been corrected. 
XXXX XXXX * * Date Opened : XX/XX/XXXX High Credit : {$550.00} * * Issue : Charge Off Law Cited : FCRA 1681e ( b ) Story : This account was closed due to a billing dispute that was unresolved. The reporting of a charge-off is inaccurate, and no proof of default has been provided. 
XXXX XXXX * * Date Opened : XX/XX/XXXX High Credit : {$590.00} * * Issue : Charge Off Law Cited : FCRA 1681i Story : The account should not have reached charge-off status. I was in contact with the creditor and making consistent payments. This is a mistake and needs correction. 
XXXX XXXX * * Date Opened : XX/XX/XXXX High Credit : {$1000.00} * * Issue : Charge Off Law Cited : FCRA 1681e ( b ) Story : This charge-off appeared suddenly after a single missed payment due to account closure confusion. I dispute the reporting and demand investigation. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$550.00} * * Issue : Duplicate Collection Law Cited : FCRA XXXX ( Reinsertion and duplication ) Story : This is a duplicate listing of a prior collection ( same amount and creditor ). Duplicate collections are misleading, inflate debt, and damage credit unfairly. 
XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$440.00} * * Issue : Duplicate Collection Law Cited : Same as above Story : This is a re-report of an already disputed and unverified account. It must be removed under FCRA regulations regarding accuracy and duplication. 
XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1600.00} * * Issue : Collection Law Cited : FDCPA 809 ( b ) Story : I have no knowledge of this collection account. No validation notice or original creditor details have been provided to me. I formally request debt validation or immediate deletion. 
XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX High Credit : {$1500.00} * * Issue : Charge Off Law Cited : FCRA 1681i Story : This account was settled years ago, yet it still reflects negatively as a charge-off. This is misleading and inaccurate. 
Requested Relief : I am requesting CFPB 's immediate assistance to enforce my consumer rights and demand that the credit reporting agencies : 1. Delete the wrong addresses from my credit report.

2. Remove all inaccurate and duplicate accounts, especially from XXXX XXXX. 
XXXX. Update all accounts reflecting incorrect charge-offs and late payments, particularly where hardship or resolution existed. 
XXXX. Provide evidence of proper investigation and validation from data furnishers or delete the entries. 
XXXX. Ensure that all information on my credit file complies with FCRA, FDCPA, and all relevant consumer protection laws.

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