Consumer complaint received 2025-09-11 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 submitting this complaint to the Consumer Financial Protection Bureau regarding multiple accounts that are being reported inaccurately and unfairly on my credit file. These accounts are severely damaging my creditworthiness and violate my consumer rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws. 

Below are the disputed accounts currently appearing on my credit report : XXXX XXXX XXXXXXXX High Balance {$300000.00} Date Opened : XX/XX/XXXX Reported Late Payment XXXX  XXXX XXXX High Balance {$390.00} Date Opened : XX/XX/XXXX Reported Late Payment XXXX  XXXX High Balance {$1900.00} Date Opened : XX/XX/XXXX Reported Late Payment XXXX  XXXX XXXX  XXXX High Balance {$890.00} Date Opened : XX/XX/XXXX Reported Late Payment XXXXXXXX XXXX XXXX XXXXXXXX High Balance {$45000.00} Date Opened : XX/XX/XXXX Reported Late Payment XXXX XXXX XXXX High Balance {$20000.00} Date Opened : XX/XX/XXXX Reported Late Payment XXXX XXXX XXXX XXXX High Balance {$69000.00} Date Opened : XX/XX/XXXX Reported Late Payment XXXX XXXX XXXX High Balance {$26000.00} Date Opened : XX/XX/XXXX Reported Charge Off XXXX XXXX XXXX High Balance {$33000.00} Date Opened : XX/XX/XXXX Reported Charge Off XXXX XXXX XXXX XXXX High Balance {$220.00} Date Opened : XX/XX/XXXX Collection Account XXXX XXXX XXXX XXXX High Balance {$610.00} Date Opened : XX/XX/XXXX Collection Account XXXX  XXXX  XXXX High Balance {$540.00} Date Opened : XX/XX/XXXX Collection Account XXXX  XXXX  XXXX High Balance {$36000.00} Date Opened : XX/XX/XXXX Collection Account XXXX  XXXX  XXXX High Balance {$29000.00} Date Opened : XX/XX/XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX My Concerns Are as Follows : Several accounts are being reported multiple times or with duplicate balances ( for example, XXXX XXXX with XXXX different balances under the same creditor ). This constitutes duplicate and misleading reporting, which is unlawful. 

Some debts appear to have been re-aged or reported with inconsistent open dates, which violates FCRA 623 by misrepresenting the true age of the debt.

Many of these debts are either outside the statute of limitations, incorrectly reported, or unverifiable. Under FDCPA 809, if a debt collector can not provide proper validation, they are not permitted to report it to the credit bureaus.

Negative information such as charge-offs and late payments has been reported without proper investigation or validation. The furnishers have failed in their duty to conduct reasonable investigations under FCRA 611. 

Certain reporting practices, including collections and child support reporting, appear excessive and punitive, lowering my credit score unfairly and making it impossible to obtain fair credit opportunities. 

Requested Action : I am requesting that the CFPB investigate these matters immediately and require the furnishers and credit reporting agencies to : Provide full validation and documentation for each account. 

Remove any accounts that can not be properly validated. 

Correct duplicate or re-aged accounts. 

Ensure all reporting complies with the FCRA and FDCPA.

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