Consumer complaint received 2025-10-01 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 submitting this complaint to formally dispute multiple inaccurate items on my credit report. I request a full investigation and correction in accordance with the Fair Credit Reporting Act ( FCRA ) and all applicable laws. These items are harming my creditworthiness and causing undue stress and financial hardship. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$14000.00} Chargeoff Law/Issue : FCRA 1681s-2 ( b ) inaccurate account status. The reported charge-off is false and does not match my records. I have consistently maintained accurate payment history, and statements prove the balance and status are misreported. The account was never delinquent in the manner reported. Reporting this inaccuracy harms my creditworthiness and misleads potential lenders. No correspondence, notices, or legal filings support the reported charge-off. The bureau has failed to verify this account accurately despite previous disputes. I request complete verification including all payment history, statements, and creditor confirmation. Continued reporting without verification violates FCRA standards. Misrepresentation of this account exposes me to financial harm, denial of credit, and reputational damage. Any lender relying on this information is being misled. I demand deletion if verification can not be provided. The reporting bureau is legally obligated to maintain only accurate and verifiable information. This false reporting has caused repeated distress and potential financial loss. I am exercising my right under 15 U.S.C. 1681i to demand correction or deletion. Immediate action is required to prevent further damage to my credit profile. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4700.00} Chargeoff Law/Issue : FCRA 1681s-2 ( b ) inaccurate account status. The reported charge-off is completely false. My records show timely payments and account closure in good standing. Reporting inaccurate balances and charge-offs misrepresents my financial history. Previous disputes have not resulted in proper verification. The bureau must obtain all payment history and creditor documentation to confirm accuracy. Failure to verify violates FCRA 1681i. Continued reporting of false information harms my ability to obtain credit, rent housing, and engage in financial transactions. No legal basis exists for the reported charge-off. I demand immediate reinvestigation and deletion if unverifiable. Misreporting this account may result in identity verification problems. Creditors relying on this false information are being misled. I have confirmed with the original creditor that this account is reported incorrectly. The bureaus duty is to correct errors promptly. This error constitutes ongoing harm and potential legal liability. I request written confirmation of the reinvestigation results and removal of any unverifiable information. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7600.00} Late Payment Law/Issue : FCRA 1681s-2 ( b ) inaccurate late payment. The reported late payment did not occur and is unsupported by my records. Statements show all payments were timely and complete. Reporting this false information damages my credit score and financial reputation. The bureau has a legal obligation to verify the account with proper documentation. If the reported late payment can not be verified, it must be deleted immediately. The false report misleads lenders and other institutions relying on my credit file. Prior disputes did not result in accurate correction. No notices, collection actions, or creditor communications support the reported delinquency. Continued reporting of this error violates FCRA 1681i and 1681s-2 ( b ). I demand immediate investigation including all payment history, dates, and creditor confirmation. Misreporting this account negatively impacts my financial life and potential credit opportunities. The bureau must act promptly to remove unverifiable information. Reporting this inaccurate late payment constitutes ongoing harm. I request written proof of verification or deletion from the bureau. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment Law/Issue : FCRA 1681s-2 ( b ) inaccurate late payment. The reported late payments are false and unsupported. My statements and payment history prove timely payments. Misreporting this account harms my credit score and misleads potential lenders. The bureau is required to verify all account data with proper documentation. If verification can not be provided, the account must be deleted. Continued reporting of inaccurate late payments violates FCRA 1681i. I demand full reinvestigation including account statements, payment records, and creditor confirmation. Reporting errors expose me to financial harm and may result in denial of loans or housing. Prior disputes have not corrected this issue. I request immediate removal of unverifiable information. Misrepresentation of this account constitutes ongoing legal liability for the bureau. All credit reporting must comply with federal law, accuracy standards, and verification requirements. I request written proof of the investigation results and permanent deletion if unverifiable. 

XXXX : XXXX XX/XX/XXXX Law/Issue : FCRA 1681b ( f ) unauthorized hard inquiry. I never authorized this inquiry. Reporting it without my consent violates federal law and negatively affects my credit score. The inquiry is inaccurate and misleading to creditors. It may be used to justify higher interest rates or denial of credit. Prior disputes regarding this inquiry have not resulted in correction. The bureau must verify authorization or delete the inquiry immediately. Continued reporting without consent constitutes a violation of FCRA 1681i. I demand permanent removal to protect my credit profile. Reporting this inquiry without verification is a breach of my legal rights. The presence of this inquiry causes unnecessary harm and misrepresentation. 

I request that all above-listed inaccuracies and unauthorized inquiries be fully investigated, verified, and corrected according to the FCRA. I seek immediate deletion of any unverifiable or false information and removal of unauthorized inquiries. My credit report must reflect accurate and fair information to prevent further financial harm.

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