Consumer complaint received 2025-09-05 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: IL

Complaint narrative:
I am submitting this complaint because several accounts on my credit reports are being reported inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ). These reporting errors are severely damaging my credit, financial stability, and opportunities. The law requires accurate, complete, and verifiable reporting, yet these accounts are being reported in ways that violate my rights. I am requesting immediate investigation and corrective action.

The FCRA mandates under Section 602 ( A ) that consumers are to be treated with fairness, impartiality, and respect regarding credit reporting. It also requires under Section 611 ( 15 U.S.C. 1681i ) that disputed accounts must be reinvestigated, and unverifiable, inaccurate, or outdated accounts must be corrected or deleted. In addition, FDCPA Section 807 prohibits any false or misleading representation of accounts. 

Below are the accounts being reported unlawfully, along with the issues and how they have impacted me : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$290.00} | Reported : Late Payment This account is being reported with late payments that I dispute. Under FCRA 623 ( 15 U.S.C. 1681s-2 ), furnishers are required to provide only accurate information. The late payment reporting is inaccurate, misleading, and can not be properly verified. I have never received proper documentation proving that these alleged late payments are valid. Reporting unverifiable derogatory information is unlawful. This false reporting has directly harmed my creditworthiness, leading to financial denials and higher interest costs. 

XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$18.00} | Reported : Late Payment This account is being reported with late payments despite the extremely low balance. The creditor has failed to provide proper proof of the alleged late payments. Under FCRA 609 ( 15 U.S.C. 1681g ), I am entitled to full disclosure and verification, which has not been provided. By continuing to report this as a late payment without adequate verification, the creditor is willfully violating the law and causing undue damage to my financial record. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Reported : Late Payment This account is marked with late payments even though the balance is {$0.00}. Reporting a {$0.00} balance account as delinquent is factually inaccurate and deceptive. This is a direct violation of FCRA 607 ( 15 U.S.C. 1681e ( b ) ), which requires maximum possible accuracy in reporting. An account with no balance should not be shown as derogatory, and this false data must be deleted immediately. 

XXXX. ACCT XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$1500.00} | Reported : Collection This collection account is being reported without proper validation. Under FDCPA 809 ( 15 U.S.C. 1692g ), I have the right to request and receive validation of this alleged debt. To date, no proper validation has been provided, yet the collection continues to be reported, which is a violation of federal law. Continuing to report an unvalidated collection account is a serious offense that misrepresents the accuracy of my credit profile.

These reporting violations are not minor errors but severe breaches of consumer protection laws. They have directly harmed me by lowering my credit score, increasing financial stress, and limiting my access to fair credit opportunities.

I request the CFPBs immediate intervention to investigate these accounts, enforce compliance with the FCRA and FDCPA, and order deletion or full correction of all unverifiable and inaccurate information. Failure to take corrective action will force me to consider further legal remedies for the damages caused.

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