Consumer complaint received 2025-10-31 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: NC

Complaint narrative:
I am formally writing to dispute several inaccurate, misleading, and unverifiable entries appearing in my TransUnion credit file. These errors have caused significant damage to my credit profile and have violated my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ), 607 ( B ), and 611 ( A ). The law clearly mandates that consumer reporting agencies must maintain maximum possible accuracy and conduct a reasonable reinvestigation when a consumer disputes any portion of information contained in their file.

Upon careful review, I discovered multiple accounts that are being reported inaccurately. Several accounts are being shown as having late payments even though I have never made any late payments, and certain other accounts are being reported as charge-offs that I have no knowledge or association with whatsoever. These inaccurate and potentially fraudulent entries must be deleted or corrected immediately in compliance with federal law. 
The following accounts require immediate reinvestigation and correction : XXXX XXXXXXXX * * Date Opened : XX/XX/XXXX High Balance : {$260.00} This account is inaccurately reporting late payments. I have always maintained timely payments, and this negative notation is factually incorrect. 
XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX XXXX XXXX : {$940.00} The record of late payment on this account is false and misleading. I am requesting immediate verification or removal. 
XXXX XXXXXXXX * * Date Opened : XX/XX/XXXX XXXX XXXX : {$130.00} The reported late payment is completely inaccurate and must be removed. 
XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX XXXX XXXX : {$350.00} This is a duplicate and incorrect record showing false delinquency. 
XXXX XXXX * * Date Opened : XX/XX/XXXX XXXX XXXX : {$7600.00} The late payment history is incorrect and unverified. 
XXXX XXXXXXXX * * Date Opened : XX/XX/XXXX XXXX XXXX : {$720.00} This account contains erroneous late payment data that must be corrected or deleted. 
XXXX XXXX * * Date Opened : XX/XX/XXXX XXXX XXXX : {$1700.00} Incorrectly reporting late payments ; I was never delinquent on this account. 
XXXX XXXX * * Date Opened : XX/XX/XXXX XXXX XXXX : {$1000.00} Duplicate entry showing inaccurate late payment information. 
XXXX XXXX XXXXXXXX * * Date Opened : XX/XX/XXXX High Balance : {$120.00} The late payment report is entirely false and unverified. 
Additionally, there are accounts being reported as charge-offs that I have no knowledge of. These accounts are not mine, and their presence on my report constitutes a violation of my rights under FCRA 602 ( A ) and 605 ( B ), which require that all data reported must be accurate and verifiable. 
XXXX XXXX XXXXXXXX * * Date Opened : XX/XX/XXXX High Balance : {$20000.00} I have no knowledge of this account, and it appears to have been reported in error. 
XXXX XXXX * * Date Opened : XX/XX/XXXX XXXX XXXX : {$10000.00} I have never opened or authorized this account. 
XXXX XXXX * * Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} I have no association with this creditor, and this charge-off report is fraudulent or inaccurate. 
XXXX XXXX XXXXXXXX * * Date Opened : XX/XX/XXXX High Balance : {$26000.00} I have no connection or contractual relationship with this account, yet it has been reported as a charge-off. 
Under FCRA Section XXXX ( a ), you are legally obligated to conduct a reasonable reinvestigation within XXXX ( XXXX ) days of receipt of this letter. If the information can not be verified with proper documentation directly from the original creditors, it must be deleted from my credit report immediately. Failure to comply constitutes a violation of federal law and may subject TransUnion to legal action, including claims for damages under FCRA 616 and 617.

I am requesting written confirmation of the completion and results of this reinvestigation, along with an updated copy of my credit report reflecting all corrections and deletions made. 
Thank you for your prompt attention to this matter. I expect your compliance with the statutory timeframes and accuracy standards mandated by the Fair Credit Reporting Act.

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