Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #15924513
Complaint Overview
Complaint ID: 15924513
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: 92551
Date Received: 2025-09-13T12:00:00-05:00
Date Sent to Company: 2025-09-13T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am formally notifying the Consumer Financial Protection Bureau of multiple erroneous items on my credit report, including a wrong address and fraudulent accounts. These inaccuracies violate FCRA Sections 1681i, 1681e ( b ), 1681s-2, 609 ( a ), 611, and 623 ( a ) ( 1 ), which require accurate and verifiable reporting. The false reporting has resulted in harm to my financial standing, denial of credit opportunities, and emotional stress. I request the CFPBs intervention to ensure thorough reinvestigation, verification, and removal of unverifiable items. ACCOUNTS XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} Late Payment * * This account continues to report late payments that I dispute as inaccurate and unverified. Under FCRA 611 ( a ), you are required to conduct a reasonable reinvestigation, but the prior responses failed to provide documentation proving the alleged delinquency. The furnisher must produce a full payment history, contract, and proof that I was notified before negative reporting. Without these documents, continued reporting is inaccurate and harmful. The current balance being reported is also suspect as it does not match statements in my possession. Every late payment reported is negatively affecting my credit score, employment opportunities, and lending ability. This account must either be corrected to show accurate payment history or removed entirely if verification can not be obtained. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4200.00} Late Payment * * This is another XXXX XXXX tradeline with multiple late payments that are being reported inconsistently across different bureaus. Under FCRA 607 ( b ), you must follow reasonable procedures to assure maximum possible accuracy of the information you report. Reporting conflicting dates of delinquency and failing to provide evidence of late payments violates that duty. I demand you contact XXXX XXXXXXXX directly and obtain a full investigation report, including date-stamped payment history and proof that all negative entries were lawfully reported in compliance with the Fair Credit Billing Act and the FCRA. If XXXX XXXX can not provide this within the legally required timeframe, you must delete the negative information. XXXX XXXX XXXX XX/XX/XXXX I did not apply for credit with XXXXXXXX XXXX on this date. Please verify with the furnisher and provide me with the documentation used to justify this inquiry. If you can not produce a signed application or consent form, this inquiry is unlawful and must be deleted immediately. XXXX respectfully request the CFPB to ensure that all reporting agencies and creditors comply with the FCRA, verifying all disputed items or deleting them if unverifiable. The false reporting has caused financial damage, stress, and harm to my reputation. I expect confirmation in writing once all inaccuracies have been fully addressed.
Frequently Asked Questions
What is Complaint #15924513 about?
Complaint #15924513 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 2025-09-13T12:00:00-05:00.
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.