Consumer complaint received 2025-08-02 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: TX

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding multiple unauthorized, inaccurate, and unverifiable items that continue to appear on my credit reports. Despite my previous disputes and requests for validation, these items remain unresolved or have been improperly reinserted without proper notification. I am requesting that the CFPB take immediate action to enforce my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and hold the data furnishers and credit reporting agencies accountable for their negligence and violations. Each of the following items requires full reinvestigation, proper documentation, and if verification is not legally substantiated, complete deletion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$250.00} Chargeoff * * Law : FCRA 602B, 611, 623 Issue : This account is reporting inaccurate derogatory information Story : I was never notified properly about the delinquency, nor was I given any opportunity to validate the debt. This account is damaging and unjustified. I dispute its reporting and request full investigation and deletion from my file. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$410.00} Chargeoff * * Law : FCRA 611, 623 ( a ) ( 1 ) ( A ), 602 Issue : Account shows as charged-off with inconsistent payment records Story : I never authorized this account, and I have serious concerns it may be due to error or identity confusion. The charge-off status is baseless and causing harm. Please investigate and delete. 

XXXX XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law : FCRA 602, 611 Issue : Late payment reporting despite a zero balance Story : It is illogical and misleading to report me late when there was no outstanding debt. This appears to be an error in reporting and must be removed promptly. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$470.00} Late Payment * * Law : FCRA 623, 611 Issue : Inaccurate payment history reporting harming my credit Story : I was never notified of any missed payments, and this entry does not match my personal records. It appears to be an error. I request its deletion after proper verification. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$310.00} Late Payment * * Law : FCRA 602, 623 ( a ) ( 1 ) ( A ) Issue : Reporting of derogatory marks despite payment arrangement Story : I had a payment plan in place, and this late payment was reported unfairly. This reporting is misleading and unjust. Please reinvestigate and remove it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$320.00} Late Payment * * Law : FCRA 602, 623 Issue : False delinquency reporting Story : I believe this account is reporting incorrect dates and statuses which misrepresent my payment history. I demand deletion or correction after thorough investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law : FCRA 611 Issue : Late payment listed despite a closed/paid status Story : The account balance is zero, and there should be no negative reporting. This is inaccurate and unfair, and I request immediate removal. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law : FCRA 602, 623 Issue : Unjustified late payment reporting Story : I have no recollection of any delinquency on this account. The reporting is questionable and has affected my score negatively. I dispute its accuracy. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law : FCRA 611, 623 Issue : Inaccurate payment reporting Story : This account is paid in full, and no late payments were ever missed. I request removal of this incorrect information from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$120.00} Late Payment * * Law : FCRA 602, 611 Issue : Reported late payments not supported by payment history Story : I have consistently made payments and was shocked to see a late mark. This is likely a data reporting error. Please investigate and delete. 

XXXX XXXX XX/XX/XXXX Inquiry Law : FCRA 604 ( a ) ( 3 ) Issue : Unauthorized hard inquiry Story : I did not give permission or apply for credit with this entity. This inquiry is unauthorized and damaging. I demand deletion under FCRA protections. 

XXXX XX/XX/XXXX Inquiry Law : FCRA 604 ( a ) ( 3 ) Issue : Hard inquiry conducted without my consent Story : I did not apply for credit from this bank and never authorized this inquiry. It is causing harm and must be removed. 

I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to conduct a full investigation into these matters and ensure all violators are held accountable. I am requesting deletion of all unverifiable, unauthorized, and inaccurately reported items from my credit profile. My rights have been repeatedly violated, and these violations have resulted in financial hardship, stress, and the loss of credit opportunities. I am asking the CFPB to protect my rights under the FCRA and ensure these abusive and negligent practices are stopped. I am also requesting copies of any documentation used in the reinvestigation process and confirmation that these items have been resolved and removed.

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