Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am submitting this complaint regarding continued inaccurate and unverifiable reporting on my consumer credit report. I have previously disputed these items directly with the credit reporting agencies. Despite my disputes, the accounts remain reported without proper verification. This failure to correct inaccurate information violates the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$180.00} | Charge Off I have no knowledge of this account and dispute that it belongs to me. The reporting appears inaccurate and unsupported. Please provide full verification as required by law or delete this account if it can not be properly substantiated. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$1000.00} | Late Payment The late payment reporting on this account is inaccurate. I never made late payments as shown. This is a dispute of payment history accuracy only, not a request for deletion. Please correct the reporting to reflect accurate payment history in compliance with the FCRA. 
XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$170.00} | Charge Off I do not recognize this account and have no knowledge of it. This item is disputed as not mine. If you can not verify this account with proper documentation, it must be deleted as required under federal law. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$270.00} | Late Payment The late payment information reported on this account is inaccurate. I never made late payments as claimed. Please conduct a lawful reinvestigation and correct the payment history only. Deletion is not being requested for this account. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$1000.00} | Late Payment This account is reporting incorrect late payments. The payment history does not reflect my actual performance. Under the FCRA, inaccurate payment history must be corrected promptly. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$24000.00} | Late Payment The late payment reporting on this account is inaccurate. I never made late payments as reported. Please correct the payment history to reflect accurate information in compliance with federal law. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$3800.00} | Late Payment The late payment history being reported is inaccurate. I dispute the accuracy of the payment history only and request correction, not deletion. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$6800.00} | Late Payment This entry contains inaccurate late payment reporting. Please correct the payment history as required under the FCRA. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$11000.00} | Late Payment The late payment information is inaccurate and does not reflect my actual payment behavior. This is a request for correction of inaccurate reporting only. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$3300.00} | Charge Off * * I have no knowledge of this account and do not recognize this debt. The reporting is inaccurate and unsupported. Please conduct a reasonable reinvestigation and delete this account if it can not be verified with proper documentation. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Charge Off * * I have no knowledge of this charge-off account. The reporting is inaccurate. Please verify this account or delete it if it can not be substantiated under the FCRA. 
XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Charge Off * * I do not recognize this account and dispute ownership. A lawful reinvestigation is required. Delete this account if it can not be verified. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$1200.00} | Collection * * This collection account is not recognized by me. I dispute that it belongs to me. Please delete this account if verification can not be completed. 
XXXX  XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$1100.00} | Collection * * I have no knowledge of this account. Continued reporting without proper verification violates the FCRA. Delete if unverifiable. 
XXXX  XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$1100.00} | Collection * * This account is disputed as not mine. Please conduct a reasonable reinvestigation and delete this account if verification can not be obtained. 
XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$1400.00} | Collection * * I do not recognize this collection account and have no knowledge of any obligation owed. Please delete this account if it can not be verified under federal law. 
XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$2000.00} | Collection I have no knowledge of this account and do not recognize this debt. This collection is disputed as not mine. Please conduct a reasonable reinvestigation and delete this account if it can not be fully verified. 
XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$780.00} | Collection I do not recognize this account and dispute ownership. Continued reporting without proper verification is inaccurate. Delete this account if it can not be substantiated under the FCRA. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$200.00} | Collection This appears to be duplicate and inaccurate reporting of the same alleged obligation. I do not recognize this account and dispute it in its entirety. If verification can not be provided, this account must be deleted. 
Despite submitting disputes, these companies and the credit reporting agencies have failed to conduct a reasonable reinvestigation as required by law. Continued reporting of unverifiable or unauthorized information is causing ongoing harm to the accuracy of my credit file. 
I am requesting that the CFPB investigate this matter and require the involved parties to either provide proper verification or remove the disputed items in full compliance with the Fair Credit Reporting Act.

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