Consumer complaint received 2025-08-04 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: MO

Complaint narrative:
. XXXX XX/XX/XXXX, I entered into a consumer auto loan contract with XXXX XXXX XXXX XXXX. After discovering multiple violations of federal consumer protection lawsincluding the Truth in Lending Act ( TILA ) I canceled the contract in XXXX and issued four ( 4 ) separate 1099-A and 1099-C filings to discharge the debt and report it accordingly. A cease-and-desist notice was also submitted. 

Despite this, the account has remained on my credit file with updates that continue to reflect the account as open and current. This constitutes willful violations under the Fair Credit Reporting Act ( FCRA ) including : 15 USC 1681b 604 ( a ) ( 2 ) : No written consent was given to furnish or update my consumer file post-cancellation.

15 USC 1681s-2 ( a ) ( 1 ) ( A ) : Continued reporting after notice of inaccuracy and cancellation.

15 USC 1681e ( b ) : Failure to ensure accuracy in the reporting of discharged or obsolete data.

15 USC 1681i : Failure to reinvestigate and correct the data after I submitted formal disputes to all three credit reporting agencies. 

XXXX5 USC 1681c ( a ) ( 5 ) : Some adverse items predate the seven-year limit and should have been removed.

Additionally, collection agencies such as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX have reported unauthorized third-party accounts to my file without providing any original contracts or proof of assignment. These actions amount to identity theft, fraud, and interstate commerce violations under : 18 USC 1343 : Wire fraud 15 USC 1692g ( FDCPA ) : Failure to provide validation of debt.

Despite my credit being frozen due to identity theft, these companies and the credit reporting agencies have continued to allow hard and soft inquiries and furnish fraudulent and inaccurate accounts, even after repeated disputes and supporting evidence were submitted. 

These errors and ongoing reporting have prevented me from securing housing, transportation, and credit. They have caused significant mental distress, emotional harm, and financial damage, including lost business and livelihood opportunities. ive attached other complaints ive complaint for two yeawrs now and still on my report getting interest along with 1099 a and c and third party i hjave no contract with nation\al security theses inaccuracyies are ruining my life and stopping me from buying home capital one id discharged with 1099 a in 2022 and 1099 c and collecting interest with late payment anlong with third party my rights have been beyond compromised an ive repoted it with evidenc e and they come back accurate with the proof evidence of and santander is over 8 years old an saying current there are many violations to my right i listed evidence exhibits and histry of

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