Consumer complaint received 2025-07-21 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 to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, misleading, and unverifiable entries appearing on my credit report. These include erroneous addresses, invalid charge-offs and collections, and unauthorized hard inquiries. These issues are causing unjust harm to my creditworthiness and violate multiple provisions under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am requesting a full reinvestigation, immediate deletion of the inaccurate information, and enforcement of my rights under federal law. Below I have listed the items individually with their respective law violations and explanations : XXXX XXXX  Account # : XXXX Late Payment * Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} This account is inaccurately showing late payments despite being paid in full. 
Law Violation : FCRA 607 ( B ), 611 Data furnishers must report accurate and complete information.

Story : I fulfilled my obligation and paid this account timely. These late marks are damaging my score unfairly. I request correction or removal. 

XXXX XXXX Account # : XXXX XXXX XXXX  Late Payment * * Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} This account is closed and should not reflect late payments after closure. 
Law Violation : FCRA 607 ( B ), 611 All data must be verified for accuracy.

Story : Reporting delinquencies on a closed, settled account is misleading. Please remove the late history. 

XXXX Account # : XXXX XXXX XXXX XXXX XXXX  Late Payment * * Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} This account was opened recently and should not show negative payment history. 
Law Violation : FCRA 607 ( B ), 611 Inaccurate data must be reinvestigated and removed.

Story : No payment should be due on this new account. Incorrect reporting must be corrected immediately. 

XXXX Inquiry Date : XX/XX/XXXX This inquiry was not authorized by me. 
Law Violation : FCRA 604 ( a ) ( 3 ), 607 ( a ) Inquiries must have a permissible purpose.

Story : I never applied for credit with this institution. This unauthorized inquiry must be deleted. 

XXXX XXXX Date : XX/XX/XXXX I did not authorize this hard inquiry. 
Law Violation : FCRA 604 ( a ) ( 3 ), 607 ( a ) Inquiries must be consumer-initiated.

Story : I am requesting immediate removal of this inquiry due to lack of consent. 

I respectfully request the Consumer Financial Protection Bureau to investigate the matters listed above in accordance with the FCRA and FDCPA. I am asking that you compel the credit reporting agencies and furnishers to provide adequate proof of accuracy or permanently delete the disputed information from my credit file. Each of these errors is affecting my financial standing and ability to obtain fair credit. I am asserting my rights under 15 U.S.C 1681i, 1681s-2, and 604, and under FDCPA 809 and 807, and request full compliance from all parties involved. Please assist in holding the furnishers and credit bureaus accountable.

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