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: AR

Complaint narrative:
To Whom It May Concern, I am filing this complaint under my rights provided by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ), and all applicable consumer protection laws. I am requesting a full investigation and removal of the following inaccurate, incomplete, and unverifiable accounts and inquiries being reported against me. These items are damaging my creditworthiness, preventing me from accessing fair financial opportunities, and causing undue emotional and financial hardship. 
Account Issues XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} Charge Off * * Issue : This account is inaccurately reported as a charge off while no valid proof of ownership, contract, or proper validation has been provided. 
Story : Because of this charge-off status, I have been denied credit cards and even a car loan. The word charge-off makes me look irresponsible even though I never received proper proof that this account is valid. I have had to explain to potential lenders and family members that this is not my fault, but the damage is already done. The emotional distress from being treated like someone who abandoned their debts has been overwhelming. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Issue : This account shows late payments even though the balance is {$0.00} which is contradictory and misleading. 
Story : Reporting late payments on a zero-balance account makes no logical sense but still harms my score. Because of this, I was denied a store credit line that I needed to buy basic household goods. I had to pay higher upfront costs because I could not get credit approval. It feels like I am being punished for something that does not even exist anymore. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Issue : Reporting late payments with {$0.00} balance is inaccurate and harmful.

Story : This wrong reporting lowered my credit scor
e and directly led to a denial of a personal loan I applied for during a medical emergency. I had to borrow money from friends at higher costs because of this inaccurate late payment entry. It caused both financial and emotional hardship, and it should never have been reported. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$520.00} XXXX XXXX XXXX XXXX  Issue : This account reflects late payments without proper validation of the debt.

Story : This account has been a major source of frustration. I have never been shown a valid contract or agreement, yet the late payment reporting damages my creditworthiness. Recently, a potential landlord rejected my rental application because this late payment made me appear unreliable. I had to move into a less desirable place for my family, which has been humiliating and stressful. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Issue : Another example of late payments reported on a {$0.00} balance account which is misleading and inaccurate. 
Story : Even though I do not owe anything here, the late payment marks are dragging my credit down. I was denied approval for a furniture financing plan because this account shows as late. I had to pay cash upfront and drain my savings. It is exhausting to keep being punished for things I do not owe. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Issue : Reporting of late payments on an account with no balance is inconsistent, unverified, and in violation of the FCRAs accuracy standards.

Story : This account reporting made me appear like a habitual late payer even though it is closed with no balance. Because of this, I was denied a credit limit increase that could have helped me manage my finances better. Instead, I remain stuck with limited credit and higher interest rates, paying more than I should. It feels like I am being trapped in a cycle of financial punishment based on false reporting. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} LXXXX XXXX XXXX XXXX  Issue : This account is showing late payments despite a {$0.00} balance. It is inconsistent and misleading. 
Story : Because of this false late payment, I was denied a refinance offer that would have lowered my monthly payments. I had to continue paying higher interest, which caused unnecessary financial hardship. Reporting late payments on accounts with {$0.00} balance is inaccurate under FCRA 607 ( b ). 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Issue : This account shows late payments but no valid balance, contract, or proof of liability.

Story : This false reporting has damaged my credit profile, and during a recent loan application I had to explain this error in detail. The lender still declined my application, assuming I had payment issues. This is humiliating and financially harmful. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers can not report inaccurate or unverifiable information. 
XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$670.00} XXXX XXXX XXXX Issue : This is a duplicate account for the same debt but with a different balance. Duplicate reporting is misleading and unlawful.

Story : This duplicate entry lowered my score twice, causing me to be denied housing approval. My family had to settle for an inferior rental property because of this inaccurate reporting. It is extremely stressful and unfair. 
XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$630.00} XXXX XXXX XXXX Issue : This account is unverifiable and no proper documentation has been produced.

Story : This false collection made me appear as if I am carrying multiple unpaid debts. Because of this, I was denied a credit card that I needed to build my credit. This violates FCRA 607 ( b ) requiring maximum accuracy.

Hard Inquiries XXXX XX/XX/XXXX XXXX XXXX : Unauthorized inquiry. 
Story : I was never informed or gave consent for XXXX to access my credit. This created suspicion and harmed my score. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry Issue : Inaccurate and unauthorized.

Story : This entry makes it appear as though I applied for financing at this dealership, which I did not. It is misleading and harmful. 
XXXX XXXX XX/XX/XXXX XXXX XXXX : No authorization was provided. 
Story : Because of this inquiry, my score dropped and I was questioned during a mortgage pre-approval process. It was humiliating and stressful. 
SUMMARY AND DEMAND FOR RELIEF : These accounts and inquiries are inaccurate, incomplete, unverifiable, and in violation of the FCRA and FDCPA. They represent false reporting, duplicate entries, and unauthorized access to my credit profile. These actions have harmed me financially and emotionally by lowering my credit score, limiting access to housing, transportation, and fair credit opportunities. 
I demand immediate investigation and deletion of these accounts and inquiries from my credit report. Failure to comply will result in escalation of this complaint, potential legal action, and damages sought for willful non-compliance under FCRA 616 and negligent non-compliance under FCRA 617.

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 explanation