Consumer complaint received 2025-09-05 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: GA

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies, late payments, charge-offs, and collections reported on my credit report. These reporting errors are causing severe harm to my creditworthiness, financial stability, and emotional well-being, and violate federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), which requires credit reporting agencies and furnishers to report accurate and complete information. I am requesting immediate investigation, correction, and removal of these inaccurate entries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$100.00} Charge Off XXXX XXXX This account has been reported as a charge-off inaccurately. Under FCRA 1681i, I have the right to dispute incomplete or inaccurate information, and XXXX is required to investigate. I have always made my payments and have documentation showing no default occurred. Reporting this charge-off has caused my credit score to drop unnecessarily, affected my ability to obtain affordable loans, and caused me significant financial stress. I demand the immediate removal of this charge-off and correction of my account status. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$31000.00} Late Payment XXXX XXXX  This account reflects late payments that I dispute. The Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ) and FCRA require accurate reporting. I have consistently paid this account on time, and the reported late payments are false. These inaccuracies have prevented me from refinancing my home and obtaining necessary credit, causing both financial and emotional hardship. The erroneous reporting demonstrates negligence by the lender in verifying accurate data before submission to credit bureaus. I request immediate investigation and correction. 
XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$1900.00} Charge Off XXXX XXXX This account has been reported as a charge-off incorrectly. FCRA 1681i and FDCPA 1692 require furnishers to investigate and report accurately. I have never defaulted on this account, and the charge-off has caused a decrease in my credit score, higher interest rates on loans, and repeated rejections for financial products. The misreporting is unjust and harmful. I request immediate removal of this charge-off and correction of all related records. 
XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$990.00} Collection XXXX XXXX This account is inaccurately reported as a collection. The reporting has prevented me from obtaining essential credit products, including auto loans and credit cards, and has caused significant stress and XXXX. I dispute this reporting because I have consistently met my obligations. The false collection entry is misleading to potential lenders and employers conducting credit checks, harming my reputation and limiting financial opportunities. I demand immediate removal and correction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$630.00} Collection XXXX XXXX This appears to be a duplicate reporting of the same account, which violates FCRA 1681e ( b ) requiring accurate and complete reporting. The duplicate entries are unfairly inflating my debt and further damaging my credit score. This has caused delays in credit approval, higher interest rates, and repeated stress in attempting to resolve the inaccuracies. I request immediate removal of all duplicate or inaccurate entries. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00} Charge Off XXXX XXXX  This account has been reported as a charge-off erroneously. I have documentation proving timely payments, and no default occurred. The false charge-off has resulted in higher interest rates on loans, rejection of applications for essential financial services, and severe stress and XXXX. This inaccurate reporting has also affected my confidence in managing my finances and planning future obligations. Immediate removal and correction are necessary. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$890.00} Charge Off * * This account is reported as a charge-off incorrectly. I have never defaulted, and the inaccurate reporting violates FCRA 1681s-2 ( a ). The false charge-off has caused repeated loan application denials, increased borrowing costs, and stress in personal and professional life. The reporting misrepresents my financial reliability and creates barriers to securing basic credit products. I demand immediate investigation and correction. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$0.00} Collection * * This account is inaccurately reported as a collection despite having a XXXX balance. The false reporting misrepresents my financial behavior and has lowered my credit score unnecessarily. This has caused rejection of loan applications, denial of credit cards, and unnecessary stress in managing my finances. The misreporting has also resulted in wasted time and resources to correct the errors and communicate with lenders. Immediate removal of this erroneous collection is required. 
I request that the CFPB thoroughly investigate these accounts, enforce corrections, and ensure that all inaccurate, duplicate, or damaging entries are removed or corrected. The continued presence of these errors on my credit report is causing financial harm, stress, and unjust obstacles to my financial stability. I expect a resolution in compliance with federal consumer protection laws.

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