Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain items on my TransUnion credit report, as provided by your agency. My name is XXXX XXXX XXXX, my Date of Birth is XX/XX/XXXX, and my Social Security Number is XXXX. Below are the details of the accounts I am disputing : XXXX. XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX  Credit Card ) XXXX XXXX Issue : The account status shows positive, but the balance and payment history are inconsistent with my records. 
FCRA Violations : Failure to accurately report the correct status and payment history under Section 607 ( b ) ( FCRA ).

Data Breach Concerns : Please confirm whether this account has been affected by any data breach. 
XXXX. XXXX ( XXXX XXXX XXXX ) XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Collection - Installment ) XXXX XXXX Issue : The account is marked as open with a balance of {$1200.00}, but this account should not have been placed for collection without proper verification under Section 611 of the FCRA.

FCRA Violations : Inaccurate reporting and failure to provide sufficient evidence of the debt under Section 609 of the FCRA.

Data Breach Concerns : Please confirm the legitimacy of this account and if there are any breaches involving this account. 
XXXX. DEPT OF ED/XXXX  - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Installment - Student Loan ) XXXX XXXX Issue : This account is reported as 180 days late with a balance of {$570.00}, which is inaccurate. The last payment was made on XX/XX/XXXX, and this account should not reflect this level of delinquency. 
FCRA Violations : Inaccurate reporting of late payments, violating Section 605 ( FCRA ) regarding the reporting period.

Data Breach Concerns : Please confirm whether this account has been compromised due to a data breach. 
XXXX. XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Secured Installment ) XXXX XXXX Issue : The account shows as closed, but the payment status and balance do not reflect the true history. 
FCRA Violations : Inaccurate reporting under Section 605 ( a ) ( FCRA ).

Data Breach Concerns : Please verify if this account has been part of a data breach. 
XXXXXXXX XXXX XXXX XXXX AccounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Secured Installment ) XXXX XXXX Issue : This account is marked as closed with a XXXX balance, but it shows incorrect late payment history. 
FCRA Violations : Failure to properly report the account status under Section 607 ( b ) ( FCRA ).

Data Breach Concerns : Please confirm if this account has been affected by any data breach.

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