Consumer complaint received 2025-10-07 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: LA

Complaint narrative:
I am submitting this complaint to formally dispute multiple inaccurate and misleading entries on my credit report that have been reported to TransUnion. These inaccuracies are causing significant harm to my financial well-being, and I have never had late payments, collections, or charge-offs as reported. I request that CFPB intervene to ensure these inaccuracies are properly investigated and corrected. 

The first account, XXXX # XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a reported balance of {$82000.00}, is falsely reported as having late payments. I have consistently paid this account on time and have never missed any payment. According to the Fair Credit Reporting Act, 15 U.S.C. 1681i, a consumer reporting agency must conduct a reasonable investigation of any disputed information, and any unverifiable or inaccurate information must be corrected or removed. This account has caused unnecessary damage to my creditworthiness and misrepresents my payment history. 

XXXX  # XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$11000.00}, is also reported with late payments, which is entirely inaccurate. I have always maintained timely payments on this account, and reporting it incorrectly violates my rights under the FCRA. XXXX  # XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, shows a XXXX balance but is still reported as late, which is false and misleading. XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a high credit of {$370.00}, is reported as having late payments despite my consistent, timely payments. Each of these inaccuracies demonstrates a failure to comply with FCRA requirements for accurate reporting. 

Furthermore, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$660.00}, is reported as a collection. I have no knowledge of this account being in collections, and the continued reporting of unverifiable debt is a direct violation of my rights under FCRA 1681i. Similarly, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a balance of {$660.00}, XXXX ( Original Creditor : XXXX XXXX XXXX  ) # XXXXXXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a high credit of {$530.00}, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) # XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$440.00}, are all reported as collections that I have no knowledge of, and their inclusion without verification is damaging and unlawful. 

Finally, XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$14000.00}, is falsely reported as charged-off. I have never defaulted on this account, and its misreporting continues to harm my creditworthiness. The consistent reporting of unverifiable late payments, collections, and charge-offs demonstrates a systemic failure to comply with the legal requirement under the FCRA to maintain accurate credit reporting. 

I request that CFPB investigate these inaccuracies thoroughly and ensure that TransUnion corrects or removes all unverifiable information immediately. The continued presence of these false accounts, late payments, and collections has caused tangible harm to my financial opportunities and must be addressed without delay.

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