Consumer complaint received 2025-08-19 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 against the credit reporting agencies for knowingly reporting false, inaccurate, and unverified information on my consumer credit report. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 602 ( A ) which states that consumer reporting agencies must assure maximum possible accuracy of information. The following accounts and inquiries are incorrect, incomplete, or not verifiable, and I am demanding immediate reinvestigation and deletion. These items are causing me severe financial harm, loss of credit opportunities, denial of loans, higher interest rates, and emotional distress. I never authorized nor consented to these items being reported in such a false and damaging way. I am attaching my full list of disputes below and I request the CFPB to hold the credit bureaus accountable for failing their duty to maintain accurate records. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$100.00} Late Payment Law/Issue : FCRA 607 ( b ) requires maximum accuracy in reporting Story : This account shows a late payment which is false. I made payments on time and have no record of being late during the reported period. This false reporting is lowering my score, blocking me from approvals, and misrepresents my financial behavior. I request reinvestigation and deletion if proof can not be supplied. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$33.00} Late Payment Law/Issue : FCRA 611 ( a ) requires reinvestigation of disputed information Story : This late payment is inaccurately reported. I always paid this account responsibly and the furnisher has not provided validation. Such small balances are often closed in good standing, and reporting this as delinquent is misleading. It paints me as unreliable when in fact I honored my obligation. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$100.00} Late Payment Law/Issue : FCRA 607 ( b ) & FDCPA 807 inaccurate and misleading reporting Story : This account is inaccurately showing a late payment when my records confirm otherwise. Inaccuracies like this create a false image of irresponsibility and affect my ability to qualify for credit, rental housing, or even employment. I request proof of the late payment, or immediate deletion if proof is not available. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Chargeoff Law/Issue : FCRA 611 ( a ) unverifiable derogatory information must be deleted Story : This charge-off is reported in error and the information on file is inconsistent. I never received proper documentation proving the validity of the balance. Without proof, this is damaging and unfair. Reporting unverifiable charge-offs is a direct violation of consumer protection laws and should be corrected by deletion. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$180.00} Late Payment Law/Issue : FCRA 607 ( b ) reporting must be accurate and complete Story : The late payment history on this account is false. I paid this account as agreed and was never late. Reporting late activity when there was none is inaccurate and must be removed. Continued reporting without verification is willful negligence under the FCRA. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$320.00} Late Payment Law/Issue : FCRA 611 ( a ) ( 1 ) ( A ) inaccurate accounts must be reinvestigated and removed if unverifiable Story : The late payment being reported here is false. This creates a negative impact on my creditworthiness and prevents me from obtaining fair financial opportunities. Unless verified with full documentation, this must be deleted. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$850.00} Chargeoff Law/Issue : FCRA 611 ( a ) ( 5 ) unverifiable charge-offs must be deleted Story : This charge-off is incorrect and damaging. The balance reporting is inconsistent, and the furnisher has failed to validate. A charge-off of this nature on my file without proof is unlawful and must be corrected immediately by removal. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment Law/Issue : FCRA 607 ( b ) inaccurate late payment reporting violates accuracy standards Story : Reporting a late payment on an account with a {$0.00} balance is contradictory and misleading. A paid account should not be marked late. This misreporting paints an inaccurate picture of my payment history and harms my credit unnecessarily. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$17000.00} Late Payment Law/Issue : FCRA 611 right to reinvestigation of disputed information Story : The reported late payment is false. I made my student loan payments according to the schedule. Reporting me as late when I was in good standing creates unnecessary harm and emotional stress. Unless XXXX XXXX can provide full validation, this must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$21000.00} Late Payment Law/Issue : FCRA 607 ( b ) obligation to ensure accurate reporting Story : This account is showing a late payment in error. My records show that I was either in deferment or made my payment on time. Reporting otherwise is harmful and unfair. If proof can not be furnished, deletion is required. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Late Payment Law/Issue : FCRA 611 ( a ) ( 5 ) requires deletion of unverifiable information Story : This account is being reported inaccurately as late. The furnisher has not provided any validation. This inaccuracy lowers my score and can affect my career and housing opportunities. Deletion is required if verification can not be proven. 

I request that the CFPB take immediate action against the credit reporting agencies for failing to maintain maximum possible accuracy, failing to properly reinvestigate, and for allowing unauthorized inquiries on my report. These errors are causing me ongoing financial and emotional harm. I demand that the CFPB direct the agencies to delete these inaccurate accounts and inquiries permanently and hold them accountable for violating the Fair Credit Reporting Act.

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