Consumer complaint received 2025-09-09 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: CA

Complaint narrative:
I am submitting this complaint to the CFPB to address serious inaccuracies on my credit report that have no basis in fact, including unauthorized charge-offs and a false address. Under the FCRA, reporting agencies and creditors must maintain complete, accurate, and verifiable information. The continued reporting of these items has caused significant financial, emotional, and legal harm. I request immediate CFPB oversight to enforce full reinvestigation, correction, or deletion of all disputed items and to ensure accountability of all responsible parties. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX | Balance Owed : {$1000.00} | Date Opened : XX/XX/XXXX Chargeoff * * This account is being reported with a chargeoff that is inaccurate and unverified. A chargeoff is XXXX of the most damaging negative items that can appear on a credit report, and the law requires that such serious information be fully validated with original account records. Under FCRA XXXX, I have the right to request that only complete and accurate information remain on file. No proof has been provided that substantiates this alleged debt, nor has there been a demonstration of compliance with FCRA XXXX requiring a thorough reinvestigation. The continued reporting of this account in its current form misrepresents my payment history, unfairly lowers my score, and directly harms my credit standing. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Balance Owed : {$21000.00} | Date Opened : XX/XX/XXXX Late Payment * * This account is showing late payments that are inaccurate and misleading. Payment history is the most significant factor in credit scoring, and any false late payment marks cause immediate damage. Under FCRA XXXX ( b ), the bureau has a duty to maintain maximum possible accuracy, yet no validation of these late payments has been provided. A true reinvestigation would require contacting the furnisher for documented evidence, but instead, these harmful marks remain without verification. Continuing to report them creates an unfair and damaging picture of my financial reliability, in violation of federal law and consumer protection standards. 

Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Balance Owed : {$380.00} | Date Opened : XX/XX/XXXX Chargeoff * * This account is also reported with a chargeoff that is not accurate or substantiated. A chargeoff is a serious matter, and FCRA requires that it only remain if there is verified, original documentation from the furnisher. No such evidence has been presented despite my dispute, which shows noncompliance with XXXX. The continued presence of this item makes it appear that I defaulted irresponsibly, which is a misleading and damaging portrayal. Without proper validation, this chargeoff can not remain, and keeping it on record violates the duty of maximum possible accuracy under XXXX ( b ). 

I request the CFPBs immediate oversight to guarantee that all disputed accounts and incorrect addresses are reinvestigated, verified, and corrected or deleted in accordance with FCRA requirements. The continued reporting of false information has caused substantial financial and personal harm. I request written documentation confirming all corrective actions taken.

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