Consumer complaint received 2025-09-12 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: DE

Complaint narrative:
I am writing to formally dispute multiple inaccurate and harmful items on my credit report and request immediate correction and investigation. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., credit reporting agencies and furnishers of information are required to report only accurate, complete, and verifiable information. Failure to comply constitutes a violation of federal law and has caused me severe financial distress, emotional hardship, and significant damage to my creditworthiness. 
Inaccurate Accounts Reported XXXX XXXX, XXXX. XXXX Open Date : XXXX XXXX, XXXX | High Balance : {$270.00} | Issue : Late Payment Story : This account is reporting late payments that are not accurate. I have consistently met my obligations, yet derogatory marks continue to appear. This misreporting violates FCRA 623 ( a ) ( 1 ) ( A ) because a furnisher must not knowingly report false information. These false late payments have lowered my credit score, caused me to be denied credit cards, and created hardship in daily financial life. 
XXXX XXXX XXXX Open Date : XX/XX/XXXX | High Balance : {$350000.00} | Issue : Late Payment Story : This account is over 15 years old and continues to report late payments, which is a violation of FCRA 605 ( a ) ( 4 ) because accounts older than 7 years can not remain on a credit report. Keeping this on my file misrepresents my current financial behavior and paints a false picture of me as a high-risk borrower. This has caused multiple mortgage denials and left me emotionally distressed because opportunities to secure stable housing have been unfairly taken from me. 
XXXX XXXX XXXX Open Date : XX/XX/XXXX | High Balance : {$350000.00} | Issue : Late Payment Story : This account is essentially a duplicate of the XXXX XXXX entry, which means the same debt is being reported twice. This is not only unfair but also illegal under FCRA 602 ( A ), which condemns unfair and misleading reporting practices. Reporting the same loan twice creates an exaggerated negative impact on my credit, leading to higher interest rates and denials. The emotional stress of seeing the same debt multiplied against me is unbearable and unlawful. 
XXXX XXXX XXXX Open Date : XX/XX/XXXX | High Balance : {$25000.00} | Issue : Late Payment Story : This account is showing inaccurate late payments. In reality, I maintained communication with the lender and worked on payment arrangements, yet the bureaus continue to reflect derogatory reporting. This is a violation of FCRA 607 ( b ) because they failed to ensure accuracy. The misreporting has directly resulted in denial of fair auto loan opportunities and excessive interest rates that have drained my finances. 
Unauthorized & Questionable Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiry XX/XX/XXXX Story : None of these inquiries were authorized by me. Under FCRA 604 ( a ) ( 3 ), no entity is allowed to pull my credit report without a permissible purpose. These inquiries have damaged my credit score, and every hard inquiry represents unjust harm to my reputation. The bureaus have failed to protect me from unauthorized access to my private financial information. This is a serious breach of my consumer rights. 
These repeated inaccuracies, wrongful charge-offs, and unauthorized inquiries violate federal law and have caused substantial financial and emotional harm. I request that all disputed items be immediately investigated, corrected, or removed from my credit report. I further request written confirmation of all corrections and removal of these false entries. I am prepared to pursue all remedies available under federal law, including reporting to the Federal Trade Commission ( FTC ) and potential legal action for damages caused by these violations. 
Please consider this a formal notice and act in compliance with federal law to resolve these disputes immediately.

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