Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
To Whom It May Concern I am submitting this formal complaint regarding inaccurate, outdated, and unlawfully reported information across multiple accounts reflected on my consumer credit reports These accounts have caused me significant emotional and financial distress and have negatively impacted my ability to access basic credit services employment opportunities and housing These accounts are either being reported inaccurately contain wrong balances dates or statuses or have been reported without proper validation and in violation of federal consumer protection laws including the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 et seq and the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692 et seq Despite my previous disputes and direct efforts to resolve these matters with the data furnishers and credit reporting agencies the following accounts remain incorrectly reported or unresolved and must be investigated and removed from my file immediately XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$1900.00} Date Opened : XX/XX/XXXX Charge Off Issue : This account was charged off due to non-payment, severely impacting your credit score and indicating financial distress. A charge off is a creditor 's declaration that the debt is unlikely to be collected, which remains on your credit report for up to seven years and can prevent you from securing new credit. Law : Under the Fair Credit Reporting Act ( FCRA ), charge-offs must be reported accurately and can be disputed if incorrect. Additionally, the Fair Debt Collection Practices Act ( FDCPA ) regulates how debt collectors can pursue charge-offs, protecting against harassment or unfair practices. Story : The origins of this charge off lie in unforeseen financial emergencies that inhibited your ability to maintain timely payments. Despite efforts to manage expenses, the escalating debt balance and interest caused missed payments, eventually leading to charge off. Recognizing this, you began exploring legal protections and seeking repayment plans to resolve the debt and restore creditworthiness. 

XXXXXXXX XXXX XXXXXXXX XXXX High Balance : {$1500.00} Date Opened : XX/XX/XXXX Charge Off Issue : This credit line was also charged off, indicating serious delinquency. Charge offs reduce your creditworthiness and may raise red flags for future lenders. They also put you at risk of collections, lawsuits, and wage garnishments. Law : The FDCPA limits the actions debt collectors may take when pursuing such charged-off accounts, including prohibiting false threats or contacting you at inconvenient times. The statute of limitations for debt collection varies by state but generally ranges between 3-6 years, after which you may have legal protections against collection suits. Story : Initially managed responsibly, this account fell into delinquency during a period of financial hardship. The charge off reflects the culmination of missed payments, but you have since sought guidance and are committed to resolving or settling outstanding obligations within the bounds of consumer protection laws. 

XXXX XXXX XXXX XXXXXXXX High Balance : {$3500.00} Date Opened : XX/XX/XXXX Collection Issue : The balance was sent to collections, severely damaging your credit profile and indicating missed payments that escalated into external collection efforts. Collections accounts often remain on credit reports for seven years, impeding credit access. Law : Under the FDCPA, collection agencies must follow strict rules, such as providing validation of debt upon request and refraining from abusive communication. You have the right to dispute inaccurate collections and request debt validation. Story : This collection arose after prolonged financial difficulties that delayed payments. You received notices from the collection agency and exercised your rights to dispute and negotiate repayment terms, aiming to resolve this matter responsibly while avoiding further credit damage. 

XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$100.00} Date Opened : XX/XX/XXXX Charge Off Issue : A longstanding charge off with a small balance, remaining as a negative mark over an extended period. Such charge offs continue to affect credit for up to seven years or more depending on reporting. Law : The FDCPA and FCRA still provide protections for older debts ; you can negotiate settlements or dispute inaccuracies. Story : While the balance is relatively minor, the unresolved charge off has persisted. Through recent efforts, you have engaged XXXX XXXX XXXX XXXX for potential settlement options to clear the mark and restore credit integrity. 

XXXX XX/XX/XXXX XXXX XXXX : A recent hard inquiry which may slightly lower credit score temporarily and indicates recent application for credit. Law : Under FCRA, hard inquiries stay on credit reports for two years and should only occur with your authorization. Story : This inquiry was the result of your proactive attempts to secure credit for essential purposes, demonstrating efforts to rebuild financial standing within regulated legal parameters. 

XXXX XX/XX/XXXX XXXX XXXX : Another hard inquiry from a credit upgrade service, impacting score similarly. Law : Inquiries are regulated under the FCRA, which ensures transparent reporting and data accuracy. Story : This inquiry reflects your attempts to enhance credit access via upgrade programs, carefully done to remain compliant with legal guidelines. 

XXXX XXXX XX/XX/XXXX XXXX XXXX : Hard inquiry related to identity verification or credit checks. Law : FCRA requires permissible purpose for inquiries and limits misuse of credit data. Story : This check stems from verification processes connected to potential credit activities, managed under your consent. 

XXXX XX/XX/XXXX XXXX XXXX : Credit inquiry for lending applications. Law : Must be authorized and reported accurately per FCRA provisions. Story : A necessary step in applying for credit products, performed with your approval and to assist in financial planning. 

I demand that a full investigation be conducted into all of these accounts and that each furnisher be required to provide proper documentation and validation within the timeline allowed by law If they are unable to do so these accounts must be permanently deleted from my credit reports per FCRA and FDCPA guidelines I am requesting full accountability and compliance with federal law as my rights under the FCRA and FDCPA have been continuously violated by these furnishers and the consumer reporting agencies responsible for reporting them

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