Consumer complaint received 2025-09-05 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: WI

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate, unfair, and misleading accounts reported on my credit report. I request immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, and other relevant federal and state consumer protection laws. These reporting errors have caused severe damage to my creditworthiness, financial stability, and emotional well-being.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance Owed : {$0.00} * * Issue : Charge Off Story : Reporting a XXXX-balance account as charged-off is wholly incorrect and unjust. This account has been managed responsibly, and no outstanding debt exists. The false reporting diminishes my financial reputation and violates FCRA Section 1681i ( a ) and Section 1681s-2 ( b ). It misleads lenders and financial institutions, creating unnecessary obstacles for personal and professional financial decisions. The stress and inconvenience caused by this false reporting are ongoing and severe. 
XXXX XXXX XXXX  Date XXXX Balance Owed : {$0.00} XXXX XXXX Issue : Charge Off Story : This account was erroneously reported as charged-off despite having no outstanding balance. This false reporting is damaging, unfair, and legally impermissible under FCRA 15 U.S.C. 1681s-2 ( a ). The incorrect charge-off has prevented me from securing personal and business credit, forced me to pay higher interest rates, and caused emotional distress. Multiple attempts to resolve this directly with the reporting entity have been ignored, necessitating CFPB intervention. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date XXXXXXXX  Balance Owed : {$0.00} * * Issue : Late Payment Story : This account is inaccurately reported as late, despite proof of timely payments. FCRA Section 1681i ( a ) requires that disputed information be thoroughly investigated and corrected. This false late payment has harmed my credit score, limited my ability to access financial services, and caused undue emotional stress. Reporting inaccurate late payments without proper verification is a clear violation of consumer protection laws, and the damage is ongoing. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance Owed : {$3800.00XXXX XXXX XXXX  Issue : Charge Off Story : XXXX has falsely reported this account as charged-off despite my efforts to dispute or clarify any issues. This misreporting violates FCRA Section 1681s-2 ( a ) and Section 1681i ( a ). The false charge-off has caused denials in credit applications, higher interest rates, and reputational harm. The stress, XXXX, and financial difficulty caused by this inaccurate reporting are significant, and repeated attempts to correct it directly with XXXX have failed. This ongoing harm requires immediate CFPB intervention. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date XXXX Balance Owed : {$830.00} XXXX XXXX  Issue : Charge Off Story : This account is inaccurately marked as charged-off despite my responsible account management. FCRA Sections 1681i and 1681s-2 mandate accurate reporting and investigation of disputes. The false charge-off has negatively affected my credit score, created barriers to loans, and caused severe emotional and financial stress. I have made repeated attempts to resolve the issue with XXXX  XXXX without success, making this a critical matter requiring urgent CFPB attention. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date XXXX Balance Owed : {$19000.00} * * Issue : Charge Off Story : This account was falsely reported as charged-off despite my ongoing communication and compliance with all payment agreements. The inaccurate reporting has directly caused repeated denials of loans, increased interest rates, and extreme stress. This misreporting violates FCRA Section 1681i ( a ), which mandates timely investigation and correction of disputed information. Because of this false charge-off, I have experienced financial setbacks, including difficulty securing housing, being forced to pay higher utility deposits, and emotional distress due to the unfair characterization of my financial responsibility. 
XXXX XXXX XXXX XXXXXXXX Date XXXX Balance Owed : {$0.00} XXXX XXXX Issue : Late Payment Story : This account is inaccurately reported as late despite documented evidence of on-time payments. The false late payment has lowered my credit score, causing denial of financial opportunities and higher interest on existing credit lines. Reporting false late payments is a violation of FCRA 1681i ( a ) and Section 1681s-2 ( a ), and the ongoing stress and financial disadvantage caused by this inaccuracy has impacted my ability to provide for daily living expenses and maintain financial stability. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date XXXXXXXX  Balance Owed : {$0.00} * * Issue : Late Payment Story : Similar to the above, this account has been falsely reported as late despite no missed payments. The continued presence of these inaccuracies has damaged my reputation with lenders, made it difficult to secure fair loan terms, and caused significant XXXX  and frustration. The false reporting is a violation of FCRA Section 1681i ( a ) and creates ongoing financial and emotional harm that could be avoided with proper correction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance Owed : {$300.00} XXXX XXXX Issue : Charge Off Story : XXXX  XXXX has inaccurately reported this account as charged-off. I have maintained responsible payment history and attempted resolution multiple times, but no correction has been made. FCRA Sections 1681i and 1681s-2 require accurate reporting, and the false charge-off has caused me real financial damage including denied loans, higher insurance premiums, and emotional distress. The continued misreporting impedes my ability to recover financially and maintain stability. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance Owed : {$210.00} XXXX XXXX Issue : Charge Off Story : This account has been falsely charged-off despite full compliance on my part. The false reporting violates FCRA Section 1681i ( a ) and FDCPA 1692e and has directly affected my credit score, making it difficult to access fair loans or credit. The emotional and financial toll is significant, causing stress, XXXX, and frustration as my efforts to resolve the issue directly with XXXX have failed. Immediate CFPB intervention is required to prevent further harm. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance Owed : {$600.00} XXXX XXXX Issue : Collection Story : This collection account is inaccurately reported. Reporting false collections violates FCRA 1681i ( a ) and FDCPA 1692e. The misrepresentation has caused tangible harm, including denied credit applications, increased interest rates, and reputational damage. The stress and hardship caused by this false reporting are ongoing and severely impact my financial life, creating obstacles in managing day-to-day responsibilities and long-term financial goals. 
XXXX  XXXX Bankruptcy XXXX Court : U.S. Bankruptcy Court Issue : Bankruptcy Reporting Errors Story : My bankruptcy filings have been inaccurately reported across multiple credit reporting agencies. These inaccuracies misrepresent my financial status and violate FCRA Sections 1681i ( a ) and 1681s-2 ( a ). The incorrect reporting has prevented me from obtaining credit, increased my borrowing costs, and caused extreme emotional stress. Multiple attempts to correct the records directly with agencies have failed, necessitating CFPB intervention to ensure accurate reporting and prevent continued financial and reputational harm. 
I request that CFPB intervene immediately to ensure all above accounts and bankruptcy filings are corrected or removed. I also request written confirmation of the resolution from the credit reporting agencies. Failure to correct these inaccuracies constitutes ongoing violation of federal law and continues to severely damage my financial reputation, creditworthiness, and emotional well-being.

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