Consumer complaint received 2025-10-07 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: NJ

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, unverifiable, and harmful items being reported on my credit file. These accounts and inquiries are severely damaging my credit standing and have been reported in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite my repeated disputes with the credit reporting agencies and furnishers, these items remain. They are either inaccurate, unverifiable, reported in error, XXXX continue to appear after the legally required reinvestigation period. I am now requesting the Consumer Financial Protection Bureau to intervene and ensure full compliance with federal law. 

Accounts with Errors : XXXX XXXX XXXX XXXX  ( Acct : XXXX, Open Date : XX/XX/XXXX, High Credit : {$2000.00} ) Reported late payment inaccurately. No verifiable proof provided by the furnisher. 

XXXX  XXXX XXXX  XXXX  ( Acct : XXXX, Open Date : XX/XX/XXXX, High Credit : {$1000.00} ) Inaccurate late payment reporting. No proper validation received. 

XXXX XXXX ( Acct : XXXX, Open Date : XX/XX/XXXX, High Credit : {$700.00} ) Erroneous late payment entry. Must be removed. 

XXXX ( Acct : XXXX, Open Date : XX/XX/XXXX, High Credit : {$350.00} ) Wrongful late payment reporting. No documentation substantiating accuracy. 

XXXX XXXX XXXX XXXX ( Acct : XXXX, Open Date : XXXX XXXX, XXXX, High Credit : {$17000.00} ) Improperly reported as charge-off. No signed contract XXXX payment history provided. 

XXXX XXXX XXXX XXXX ( Acct : XXXX, Open Date : XX/XX/XXXX, High Credit : {$15000.00} ) Wrongly listed as charge-off. Unverifiable and damaging. 

XXXX XXXX XXXX XXXX ( Acct : XXXX, Open Date : XX/XX/XXXX, High Credit : {$7300.00} ) Charge-off listed incorrectly. No supporting evidence provided. 

XXXX XXXX XXXX XXXX ( Acct : XXXX, Multiple Open Dates : XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, High Credit : {$0.00} ) Multiple late payments falsely reported despite XXXX balance. 

Unauthorized / Questionable Inquiries : XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries were either unauthorized, not initiated by me, XXXX not tied to any valid credit application. They are being reported without permissible purpose in violation of FCRA 604.

Legal Basis of My Complaint : Under FCRA 602 ( A ), consumers are entitled to fair and accurate credit reporting. 

Under FCRA 611 & 623, furnishers must conduct a reasonable investigation and provide verifiable proof of accuracy. This has not been done.

Under FCRA 604, inquiries require permissible purpose. The above-listed inquiries lack such justification. 

Requested Action : I respectfully demand that CFPB : Investigate each furnisher and credit reporting agency for their failure to ensure maximum possible accuracy.

Order the immediate deletion of all inaccurate, unverifiable, and unauthorized accounts and inquiries listed above. 

Require furnishers to provide documented proof ( signed contracts, account statements, payment history ) if they insist on continued reporting. 

Enforce compliance with federal law and hold these entities accountable for their negligent and harmful reporting practices. 

These reporting errors are severely damaging my financial reputation, my ability to obtain credit, and are causing ongoing harm. I request immediate intervention and resolution by the Consumer Financial Protection Bureau.

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