Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13773371
Complaint Overview
Complaint ID: 13773371
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: California
ZIP Code: 95815
Date Received: 2025-05-28T12:00:00-05:00
Date Sent to Company: 2025-05-28T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint due to multiple inaccurate and damaging items reported on my credit file by various furnishers and credit reporting agencies. These include false charge-offs, misreported late payments, and collections accounts that are either not mine, inaccurately listed, or unverifiable. Despite my efforts to dispute these items directly with the credit bureaus, they remain unresolved, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Inaccurate Items Reported : Late Payments ( Notified but Not Validated ) : XXXX XXXX ( Account ending XXXX, and XXXX ) XXXX XXXX ( Account # XXXX ) Charge-Offs ( Falsely Reported ) : XXXX XXXX XXXX XXXX XXXX Account # XXXX ) XXXX ( Account # XXXX * ) XXXX ( Account # XXXX * * * and XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXX ) Collection Account ( Unfamiliar and Unverified ) : XXXX XXXX XXXXXXXX XXXX ( No account number provided ) Hard Inquiries ( Unauthorized or Related to Disputed Accounts ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Violations : These entries violate the following provisions of the FCRA : 15 U.S.C. 1681e ( b ) Reporting agencies must ensure the maximum possible accuracy of consumer information. 15 U.S.C. 1681i ( a ) CRAs must reinvestigate disputed items within 30 days. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must not report information they know or have reason to believe is inaccurate. 15 U.S.C. 1681s-2 ( b ) Furnishers must correct and update inaccurate or unverifiable information after receiving a dispute. I have not received any debt validation or proof that these derogatory items are legitimate. Some accounts may be the result of identity theft or clerical errors. I have attached [ FTC Identity Theft Report, dispute letters, credit reports, and any related correspondence ] to support my claims. Impact on Me : Due to these false entries : Ive been denied credit and financial opportunities. Ive experienced increased interest rates on existing accounts. Ive suffered stress and reputational harm. Relief Requested : Immediate deletion of all inaccurate charge-offs, late payments, and collections. Removal of all unauthorized or unnecessary hard inquiries. A full investigation into the furnishers and the CRAs ' reinvestigation processes. Written confirmation that these items have been corrected across all three credit bureaus. I respectfully ask the CFPB to ensure full enforcement of the FCRA and to protect my rights as a consumer. These ongoing inaccuracies are unjust and mustbeaddressed.
Frequently Asked Questions
What is Complaint #13773371 about?
Complaint #13773371 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-05-28T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Transunion Intermediate Holdings, INC.?
Yes, visit the Transunion Intermediate Holdings, INC. company profile at readthecomplaint.com/company/transunion-intermediate-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.