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: MI

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To Whom It May Concern I am submitting this formal complaint regarding inaccurate, outdated, and unlawfully reported information across multiple accounts reflected on my consumer credit reports These accounts have caused me significant emotional and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 XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charged off with a reported high balance of {$0.00}, opened on XX/XX/XXXX, which signifies a discrepancy since charge-off amounts must reflect actual balances. 
Law : Per FCRA Section 609 ( 15 U.S.C. 1681g ), I have the right to request validation and verification of this debt. The Fair Debt Collection Practices Act ( FDCPA ) further mandates that any charged-off debt must be accurately and fairly reported. Inaccurate reporting of a {$0.00} balance creates confusion and damages my credit profile. 
Story : This account shows as a charge off with a XXXX balance, which contradicts the nature of charge-offs. I have neither been notified properly nor given any chance to dispute. This inaccurate reporting influences potential creditors who view my credit history. 

XXXX XXXX XXXX XXXX XXXX  Issue : Account charged off with a high balance of {$15000.00}, opened on XX/XX/XXXX. This balance is disputed as I had settled part of the dues, but the credit report does not reflect that. 
Law : Under FCRA Section 605B ( 15 U.S.C. 1681c ), accounts that have been partially paid or settled must be updated to reflect these changes accurately. Failure to do this results in misleading credit information, violating consumer rights. 
Story : After prolonged financial hardship, I negotiated a settlement with XXXX XXXX. Despite payment receipts and settlement agreements, this report fails to state it is a settled debt, adversely impacting my credit rebuilding efforts. 

XXXX XXXX XXXX XXXX XXXX  Issue : Listed as a charge off with a high balance of {$48000.00}, opened on XX/XX/XXXX, with no supporting documents provided by the creditor. 
Law : Fair Credit Reporting Act requires furnishers to provide valid proof of debt when disputes arise ( 15 U.S.C. 1681s-2 ). Without validation, this debt must not be reflected as charge-off on my credit report. 
Story : My repeated requests to XXXX XXXX for detailed statements and proof of debt went unanswered. Reporting this large sum without validation is a violation of my due process and creates irreparable financial damage. 

XXXX XXXX XXXX XXXX Issue : Account in collection listed twice with a high balance of {$300.00}, opened on XX/XX/XXXX, which indicates duplication and possible reporting error. 
Law : Duplicate listings of the same debt violate FCRA provisions that ensure XXXX accurate entry per account. Duplication artificially lowers credit scores and is considered unfair reporting. 
Story : This duplicate entry of XXXX XXXX XXXX collection account inflates my debt improperly and misrepresents my financial position, damaging my chances for credit rehabilitation. 

XXXX XXXX XXXXXXXX XXXX XXXX  Issue : Listed as collection with a high balance of {$3700.00}, opened on XX/XX/XXXX, linked to a charge-off account with similar identifiers, indicating possibly improper reporting. 
Law : According to FCRA regulations, accounts must not be duplicated in both collection and charge-off statuses simultaneously for the same debt. This creates confusion and may mislead creditors. 
Story : This XXXX XXXX account overlaps with XXXX XXXX I charge off, causing redundancy. I have disputed both ; failure to rectify these errors exacerbates the negative impact on my credit history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : XXXX  case correctly listed but without discharge status or accurate closing dates. 
Law : XXXX listings must comply with 11 U.S.C. 524, which governs discharge of debts and protects consumers against erroneous reporting post-discharge. 
Story : I filed XXXX XXXX XXXX  to reorganize my debts responsibly. However, the credit report fails to show the XXXX  as XXXX or closed, continuing to negatively affect my credit profile unjustly. 

XXXX  XXXX XXXX  Reference # XXXX XXXX XXXX  XXXX Issue : Listed XXXX  without updated case status or court verification indicating completion of the payment plan. 
Law : Per FCRA and XXXX local rules, consumer credit reports must update XXXX  information to reflect accurate status, including completion or dismissal, maintaining fair consumer representation. 

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