Consumer complaint received 2025-09-21 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 submitting this complaint through CFPB to address significant inaccuracies on my credit report. There are accounts and unauthorized inquiries listed that are not associated with me, which are severely impacting my credit score and financial reputation. I request that CFPB thoroughly investigate these issues and ensure accurate information is reflected on my credit report. 

XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$180.00} Chargeoff * * This account is reported as a charge-off, which is false and misleading. I never opened, authorized, or used this account. I have never received any statements, notices, or communications indicating any debt or default. Reporting this as a charge-off harms my creditworthiness and violates FCRA 1681s-2 ( b ), which mandates accurate reporting by furnishers. I have documentation confirming I am not associated with this account. The account can not be verified, and under FCRA 1681i, it must be removed. Continued reporting of this false charge-off causes denial of credit and financial distress. This accounts presence on my credit report is a clear violation of 1681e ( b ), which requires maximum accuracy. I demand deletion of this account immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Chargeoff * * This account is inaccurately reported as a charge-off. I previously disputed this with XXXX XXXX XXXX XXXX, and they confirmed the reporting is incorrect. The balance is inaccurate and does not reflect my actual responsibility. Reporting false information violates FCRA 1681s-2 ( b ) and 1681i, which requires investigation of disputed items. This inaccuracy has negatively impacted my ability to secure credit. There is no valid documentation supporting this charge-off. Continued reporting constitutes a willful and negligent violation of FCRA. I request complete removal of this inaccurate charge-off. This item is misleading and duplicates other entries. Under 1681e ( b ), reporting this without verification is unlawful. I demand reinvestigation and correction. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$350.00} Late Payment * * This account is inaccurately reported as late. I have maintained timely payments on this account and never missed any due date. Reporting a false late payment violates FCRA 1681s-2 ( b ) and 1681i, which require accurate reporting and reinvestigation. There is no documentation supporting this delinquency. This inaccurate reporting has harmed my creditworthiness. I demand removal of this false late payment. Continued reporting is misleading, damages my credit score, and violates FCRA 1681e ( b ). I request written confirmation of correction. 

XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * This account falsely lists a late payment. I have proof of timely payments. Reporting this inaccuracy violates FCRA 1681i and 1681e ( b ). No documentation exists to justify this late reporting. Continued reporting of unverifiable information harms my ability to secure credit. I demand deletion and written confirmation of correction. Reporting false information constitutes a willful violation of FCRA. I provided prior evidence showing account was paid on time. Immediate action is required. 

XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * This account is reported as late incorrectly. I have documentation proving timely payments. FCRA 1681i and 1681e ( b ) require deletion of unverifiable items. Continued reporting damages my credit. I demand reinvestigation, correction, and removal of this item. Prior disputes confirm inaccuracy. No proof exists for the reported delinquency. This accounts reporting is a violation of FCRA. Immediate deletion is required. Written confirmation of removal is requested. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * This charge-off is inaccurate. I either fully paid or never authorized this account. FCRA 1681i, 1681s-2 ( b ), and 1681e ( b ) require accurate reporting and reinvestigation of disputed items. I have documentation confirming no valid delinquency exists. Reporting this account is harmful and violates my rights. Immediate deletion is demanded. Continued reporting constitutes willful violation of FCRA. Written confirmation of removal is required. 



Inquiry : XXXX XX/XX/XXXX This inquiry was unauthorized. Under FCRA 1681b, a credit inquiry requires my consent. I never authorized this inquiry, and its reporting is a violation. Continued presence of this inquiry harms my creditworthiness. I demand immediate removal and written confirmation. This unauthorized inquiry is a willful and negligent violation of FCRA. 

I request through CFPB that all inaccuracies on my report be promptly investigated, corrected, and that my credit report reflects accurate information. I have documentation ready to verify my claims, and I request that CFPB handle this complaint thoroughly to protect my financial future and prevent any negative impact on my lending and credit opportunities.

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