Consumer complaint received 2025-07-27 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: CA

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to dispute and request a thorough investigation into multiple inaccurate, unfair, and outdated negative items currently being reported on my credit file. These items are having a severe impact on my creditworthiness and overall financial stability. Despite my good faith efforts to resolve these issues directly with the credit bureaus and furnishers, the following accounts remain inaccurately reported. These actions are in direct violation of my consumer rights as protected under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I now request XXXX  support in holding the involved parties accountable and correcting these harmful errors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DATE OPENED XX/XX/XXXX BALANCE OWED {$0.00} LATE PAYMENT XXXX XXXX  ISSUE : the account is inaccurately reporting a late payment LAW : under fcra section 611 i have the right to dispute and request reinvestigation of any inaccurate item and under fcra section 609 ( a ) ( 1 ) ( a ) i have the right to request and receive the original documentation used to verify the account STORY : this account shows a late payment that i firmly dispute i have fulfilled my obligations and believe this derogatory entry is either reported in error or lacks proper documentation this late mark is misleading and unfairly reducing my credit score which has impacted my financial credibility with lenders and resulted in higher interest rates and denial of credit offers XXXX XXXX INQUIRY DATE XX/XX/XXXX ISSUE : unauthorized hard inquiry LAW : under fcra section 604 credit inquiries must be made only with consumer permission and for a permissible purpose and under fcra section 611 any unverifiable inquiry must be deleted upon dispute STORY : i did not authorize or apply for any credit with XXXX XXXX  on or around XX/XX/XXXX i did not give consent for this inquiry and therefore it violates the requirement of permissible purpose this inquiry is impacting my credit score and reflecting poorly on my report to other lenders i request immediate deletion unless written proof of authorization can be provided These inaccurate, unverifiable, and damaging items are causing unnecessary distress and financial consequences. I respectfully urge the Consumer Financial Protection Bureau ( CFPB ) to intervene and conduct a full investigation into the reporting practices related to the above accounts. I request that the CFPB ensure the credit bureaus and data furnishers comply with federal law and either verify the accuracy of these items with full documentation or delete them from my credit report immediately. Thank you for your attention and swift action in helping restore the fairness and accuracy of my credit file.

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