Consumer complaint received 2025-09-03 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: FL

Complaint narrative:
I am writing to file a formal complaint against several furnishers and credit reporting agencies for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and other applicable consumer protection laws. The accounts and inquiries listed below are inaccurately reported, unverified, and are causing ongoing harm to my financial reputation and creditworthiness. 

Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$560.00} Late Payment XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$590.00} Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$810.00} Collection XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off Bankruptcy Reference # : XXXX Court : U.S. Bankruptcy Court Bankruptcy Reporting Hard Inquiries in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Story and Legal Basis Many of the above accounts are being reported inaccurately and without proper verification. For instance, several charge-off and collection accounts are showing a {$0.00} balance but continue to be reported negatively, which is misleading and not consistent with 15 U.S.C. 1681e ( b ) requiring accurate and complete reporting.

Additionally, the late payment notations on accounts such as XXXX XXXX and XXXX are questionable, as they have not been validated with proper records. Under 15 U.S.C. 1681i, I am entitled to a reinvestigation of disputed information, and furnishers must provide verifiable evidence before such derogatory data can remain. 

The Bankruptcy reference ( Case # XXXX ) is also inaccurately reported. Once a bankruptcy is discharged, creditors are prohibited from continuing to report accounts as charged off or delinquent. Continuing to do so is misleading, violates 11 U.S.C. 524 ( a ) ( 2 ), and constitutes a clear violation of the FCRA.

Furthermore, several hard inquiries have appeared on my credit file without my knowledge or authorization. Under 15 U.S.C. 1681b, no inquiry may be made without permissible purpose. Reporting unauthorized or excessive inquiries damages my credit score and represents a breach of consumer protection rights.

This inaccurate reporting is causing significant harm to my ability to secure credit, housing, and fair financial opportunities. The furnishers and credit reporting agencies have a legal obligation to ensure maximum possible accuracy and to promptly correct or delete unverifiable information.

Requested Relief I respectfully request the CFPB to : Investigate the furnishers and credit reporting agencies responsible for these inaccurate and unverifiable accounts and inquiries.

Order immediate deletion or correction of all disputed information that can not be fully substantiated with proper documentation.

Ensure compliance with the FCRA and other applicable federal protections to prevent further 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