Consumer complaint received 2025-09-23 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:
To Whom It May Concern I am submitting this formal complaint regarding multiple inaccuracies on my credit report which are severely impacting my financial well-being and causing undue stress These accounts have been reported incorrectly and/or contain erroneous information and must be investigated and corrected under the Fair Credit Reporting Act 15 U S C 1681 et seq and the Fair Debt Collection Practices Act 15 U S C 1692 et seq XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX High Credit XXXX Collection This account is being reported incorrectly I have never received proper notice or validation of this alleged debt yet it appears on my credit report damaging my credit history The reporting of this account has caused me to be denied financial opportunities including higher interest rates on legitimate credit and difficulty securing necessary financial services The constant presence of this inaccurate collection has created a persistent feeling of XXXX  and helplessness making it difficult to plan financially I demand immediate investigation verification from the original creditor and removal or correction of this account XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX High Credit XXXX Collection This account is inaccurately listed as a collection I have never received proper communication or validation of this debt and the reporting agency has failed to follow proper procedures under the FCRA The presence of this false account has negatively impacted my ability to secure housing and obtain financial services It has created ongoing emotional distress as I constantly worry about the long-term damage to my credit and financial stability I demand that this account be fully investigated verified and corrected without delay XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX High Credit XXXX Collection This account is also being reported incorrectly I have never received documentation validating this debt and repeated attempts to seek verification have been ignored The false reporting of this account has caused tangible harm including denial of financial opportunities increased stress and emotional hardship due to the fear of continuous incorrect reporting This accounts presence on my report represents a violation of my rights under both the FCRA and FDCPA I demand immediate correction or removal and written confirmation once the matter has been resolved These repeated errors across multiple accounts show a clear pattern of negligence and violation of my federal rights The inaccurate reporting has caused direct financial harm undue stress and significant disruption to my life I demand that all of these accounts be fully investigated verified with proper documentation from the original creditors and corrected or deleted from my credit report immediately I expect written confirmation of all corrections so that my consumer rights are fully restored

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