Consumer complaint received 2025-12-03 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: NY

Complaint narrative:
To whom it may concern I am filing this complaint because multiple accounts on my credit report are being reported inaccurately, violating FCRA 1681e ( b ) and 1681i. Some accounts falsely show late payments even though I have never made any late payments in my life, and several collection and charge-off accounts are not mine and have no connection to me. These errors continue to harm my credit standing and violate my rights. I request immediate CFPB review and enforcement. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$170000.00} Late Payment This late payment history is inaccurate because I have never made a late payment on this account and reporting otherwise violates the accuracy requirement under 15 USC 1681e ( b ) and the duty to correct inaccurate data under 15 USC 1681i ( a ). I am requesting immediate correction of my payment history. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$600.00} Late Payment I have never made a late payment on this account, so reporting a late status is inaccurate and violates 15 USC 1681e ( b ) and 1681i ( a ). Correct the payment history immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : Late Payment The late payment reporting is false and inconsistent with my actual payment history. Under 15 USC 1681e ( b ) and 15 USC 1681i ( a ) this must be corrected because I have never been late. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$410.00} Late Payment This late payment is inaccurately reported. I have never been late, and the FCRA requires accuracy and proper verification under 15 USC 1681e ( b ) and reinvestigation under 1681i ( a ). Correct the status. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1200.00} Late Payment This late payment is inaccurate. I have never made a late payment, and reporting otherwise violates the accuracy standards of 15 USC 1681e ( b ) and requires correction under 1681i ( a ). 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$23000.00} Late Payment No late payments were made on this account. Reporting one violates 15 USC 1681e ( b ) and requires correction under 15 USC 1681i ( a ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} Late Payment The late payment listed is incorrect. I never made a late payment and demand correction under 15 USC 1681e ( b ) and reinvestigation under 1681i ( a ). 

XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$26000.00} Late Payment I have no late payments on this account. Reporting one is inaccurate under 15 USC 1681e ( b ) and must be corrected under 1681i ( a ). 

XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$990.00} Late Payment This late payment reporting is false. I have never been late, and the FCRA requires accuracy and proper verification under 15 USC 1681e ( b ) and 1681i ( a ). 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} Charge Off I have no knowledge of this account and have never authorized or opened it. Under 15 USC 1681e ( b ) and 1681i ( a ) unverified accounts must be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$580.00} Charge Off This is not my account. I have no knowledge of it and never authorized it. Delete this unverified entry under XXXX XXXX XXXX ( b ) and XXXX ( a ). 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$820.00} Charge Off I do not recognize or own this account. Delete immediately as required by 15 USC 1681e ( b ) and XXXX ( a ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$370.00} Collection I have no knowledge of this collection account. Unverified data must be deleted under 15 USC 1681e ( b ) and 15 USC 1XXXX ( a ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Collection This collection account is unknown to me and must be deleted for failure to meet the verification requirements of 15 USC 1681e ( b ) and 1681i ( a ). 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$690.00} Collection I do not recognize this account. Delete due to lack of proper verification under 15 USC 1681e ( b ) and 1681i ( a ). 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Collection This is not my account. It is unverified and must be deleted under 15 USC 1681i ( a ) and 1681e ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$890.00} Collection I have no knowledge of this account and request deletion under 15 USC 1681e ( b ) and 1681i ( a ). 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1700.00} Collection I do not know this account. As required by 15 USC 1681e ( b ) and 1681i ( a ), delete unverified information. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$510.00} Collection Unknown account. Must be deleted as unverified under the FCRAs accuracy and reinvestigation standards. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Charge Off This is not my account and must be deleted under 15 USC 1681e ( b ) and 1681i ( a ). 

XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4900.00} Charge Off I do not recognize this account. Delete immediately as unverified under the FCRA. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$510.00} Charge Off This account is not mine. The FCRA requires deletion under 15 USC 1681e ( b ) and 1681i ( a ). 

XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX/XXXX/XXXX Balance : {$300.00} Charge Off I have no knowledge of this account and request deletion under the FCRA accuracy and reinvestigation laws. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$950.00} Charge Off This is not my account. Unverified accounts must be deleted immediately under 15 USC 1681i ( a ). 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$280.00} Charge Off I do not recognize or own this account and demand deletion under 15 USC 1681e ( b ) and 1681i ( a ).

I request full CFPB investigation and enforcement to ensure all inaccurate, unverified, and harmful reporting is corrected or deleted immediately.

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