Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #15156656
Complaint Overview
Complaint ID: 15156656
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: Florida
ZIP Code: 32216
Date Received: 2025-08-07T12:00:00-05:00
Date Sent to Company: 2025-08-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear CFPB Representative, I am filing this formal complaint to report serious and repeated violations of my consumer rights by credit reporting agencies and data furnishers. The following inaccurate and damaging items are being reported on my credit file despite being false, unverifiable, or outright misrepresented. I have disputed these items multiple times, but they continue to remain on my credit report without correction or resolution. XXXX XXXXXXXX * * Date Opened : XX/XX/XXXX High Credit : {$1800.00} * * Issue : Late Payments Law Cited : FCRA XXXX Failure to investigate disputed information Story : Late payments were reported during a period when I was experiencing severe personal hardship due to medical and financial instability caused by the XXXX pandemic. I requested temporary hardship assistance which was never properly recorded. I dispute the accuracy of the payment reporting and request a full investigation. XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX High Credit : {$1000.00} * * Issue : Late Payments Law Cited : FCRA XXXX Story : I had arranged a payment modification plan, yet the lender inaccurately marked my file late. This has harmed my score without justification. I request a correction or deletion based on inaccurate reporting. XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX High Credit : {$27000.00} * * Issue : Late Payments Law Cited : FCRA XXXX Story : Due to temporary job loss, I missed a few payments. However, these were later resolved and brought current. The continued reporting of those late payments is misleading and punitive, and I am requesting correction or removal. XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX High Credit : {$24000.00} * * Issue : Late Payments Law Cited : FCRA 1681e ( b ) Story : Payment history is being reported inaccurately. I requested an audit of this account with the original creditor, and the discrepancy has not been corrected. XXXX XXXX * * Date Opened : XX/XX/XXXX High Credit : {$550.00} * * Issue : Charge Off Law Cited : FCRA 1681e ( b ) Story : This account was closed due to a billing dispute that was unresolved. The reporting of a charge-off is inaccurate, and no proof of default has been provided. XXXX XXXX * * Date Opened : XX/XX/XXXX High Credit : {$590.00} * * Issue : Charge Off Law Cited : FCRA 1681i Story : The account should not have reached charge-off status. I was in contact with the creditor and making consistent payments. This is a mistake and needs correction. XXXX XXXX * * Date Opened : XX/XX/XXXX High Credit : {$1000.00} * * Issue : Charge Off Law Cited : FCRA 1681e ( b ) Story : This charge-off appeared suddenly after a single missed payment due to account closure confusion. I dispute the reporting and demand investigation. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$550.00} * * Issue : Duplicate Collection Law Cited : FCRA XXXX ( Reinsertion and duplication ) Story : This is a duplicate listing of a prior collection ( same amount and creditor ). Duplicate collections are misleading, inflate debt, and damage credit unfairly. XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$440.00} * * Issue : Duplicate Collection Law Cited : Same as above Story : This is a re-report of an already disputed and unverified account. It must be removed under FCRA regulations regarding accuracy and duplication. XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1600.00} * * Issue : Collection Law Cited : FDCPA 809 ( b ) Story : I have no knowledge of this collection account. No validation notice or original creditor details have been provided to me. I formally request debt validation or immediate deletion. XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX High Credit : {$1500.00} * * Issue : Charge Off Law Cited : FCRA 1681i Story : This account was settled years ago, yet it still reflects negatively as a charge-off. This is misleading and inaccurate. Requested Relief : I am requesting CFPB 's immediate assistance to enforce my consumer rights and demand that the credit reporting agencies : 1. Delete the wrong addresses from my credit report. 2. Remove all inaccurate and duplicate accounts, especially from XXXX XXXX. XXXX. Update all accounts reflecting incorrect charge-offs and late payments, particularly where hardship or resolution existed. XXXX. Provide evidence of proper investigation and validation from data furnishers or delete the entries. XXXX. Ensure that all information on my credit file complies with FCRA, FDCPA, and all relevant consumer protection laws.
Frequently Asked Questions
What is Complaint #15156656 about?
Complaint #15156656 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 2025-08-07T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.