Consumer complaint received 2025-09-11 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:
I am filing this complaint because my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other applicable laws are being violated due to inaccurate, incomplete, and unverifiable reporting on my credit profile. Despite the clear legal requirement under FCRA 609 ( a ) and 611 ( a ) that consumer reporting agencies and furnishers of information must ensure accuracy, fairness, and proper verification before publishing data, my credit history continues to reflect errors that are damaging to me financially and personally. 

The account reported as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a high balance of {$4500.00}, is being reported with late payments that can not be properly verified. According to FCRA 623 ( a ) ( 1 ) ( A ), furnishers must not report information they know or should know is inaccurate, and late payment reporting without validation is a clear violation of this obligation. 

The account listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a high balance of {$4000.00}, is reported as a charge off. Similarly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a high balance of {$11000.00}, is also reported as a charge off. Both of these entries fail to comply with the accuracy and verification standards outlined in FCRA 607 ( b ), as no documentation has ever been provided to me to substantiate such severe derogatory reporting. 

Additionally, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a high balance of {$730.00}, is listed as charged off, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a high balance of {$25000.00}, reflects late payments. XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a high balance of {$8600.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a high balance of {$8200.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a high balance of {$13000.00} are all being reported as charge offs. These multiple and inconsistent XXXX XXXX XXXX XXXX accounts raise serious questions of duplication, unverifiable status, and violations of XXXX XXXX reporting guidelines, which require accuracy, consistency, and non-duplication in consumer credit reporting. 

Another major violation appears in the account of XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a high balance of {$90000.00}, which is reported with late payments, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a high balance of {$6000.00}, reported as a charge off. These records remain on my report without proper validation, even though under FDCPA 807 and FCRA 611 ( a ), they should be proven with documentation or removed entirely. 

Beyond derogatory tradelines, multiple unauthorized or questionable inquiries are also present in violation of FCRA 604. These include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and again on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each of these inquiries was reported without my proper authorization, and the burden of proof lies with the furnishers and credit reporting agencies to demonstrate permissible purpose. The law makes clear that inquiries may only be placed with written consent or legitimate business need initiated by the consumer, which has not been shown in these cases. 

These errors not only harm my credit standing but also create a misleading financial picture that affects my ability to obtain housing, employment, and fair credit opportunities. The FCRA is designed to protect consumers from precisely this type of harm, and yet despite my rights, the reporting agencies and furnishers have failed to uphold their obligations under 602 ( A ) and 607 ( b ). I am requesting that the Consumer Financial Protection Bureau investigate these violations, hold the reporting parties accountable, and ensure that all unverified, inaccurate, and duplicative information is permanently removed from my credit file. 

Until these matters are corrected, my financial reputation continues to suffer unfairly in violation of federal law. I urge the CFPB to take immediate action to enforce compliance and restore the integrity of my consumer credit records.

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