Consumer complaint received 2025-10-31 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: MD

Complaint narrative:
Dear CFPB Representative, I am filing this formal complaint against several companies and the credit reporting agencies for continuously reporting inaccurate, incomplete, and unverified information on my credit report despite previous disputes and requests for correction. I have made multiple attempts to have these matters resolved directly with the credit bureaus, but the inaccurate information remains. 
The following accounts are being inaccurately reported or can not be verified by the furnishers : Disputed Accounts DEPT OF ED/AIDVANTAGE Acct : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} Reported as Late Payment I dispute this account as inaccurately reported. I have no record of any late payments. Please correct the payment history to reflect on-time payments or remove this item if unverifiable. 
XXXX XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX Balance : {$810.00} Reported as Collection I have no knowledge of this alleged collection. No valid contract or proof of debt has been provided. Please delete this item from my credit file. 
XXXX XXXX XXXX  Acct : XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} Reported as Charge-Off This account is not mine, and I have never entered into any agreement with this company. Please provide proper validation or remove this account entirely. 
XXXX Acct : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reported as Charge-Off I dispute this reporting as inaccurate. I have no knowledge of a charge-off and have never received any notice. Please delete or provide full proof of this accounts validity. 
XXXX Acct : XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} Reported as Charge-Off This account is being falsely reported. No documentation has been provided showing a legitimate charge-off or delinquency. Please remove or correct it immediately. 
XXXX XXXX BA Acct XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} Reported as Charge-Off This is a duplicate and incorrect entry. Please verify and remove any duplicated or unverifiable information under FCRA guidelines. 
XXXX XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} Reported as Collection I have no contract or obligation with this company. This item appears to be an error or identity issue. Please delete it from my report immediately. 
XXXX XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX Balance : {$570.00} Reported as Collection This debt is not mine. I never authorized any collection activity or account with this company. Please provide full validation or remove the item. 
Summary of Complaint The credit bureaus and furnishers listed above are in violation of several sections of the Fair Credit Reporting Act ( FCRA ), including but not limited to : XXXX : The right to fair and accurate credit reporting. 
XXXX ( b ) : The duty of data furnishers to ensure maximum possible accuracy. 
XXXX : The right to dispute and reinvestigation within XXXX  days. 
Despite filing disputes, the bureaus have continued to report these inaccurate entries without providing any valid verification or documentation. This has caused significant damage to my credit reputation, financial opportunities, and peace of mind. 
Requested Resolution I respectfully request that the CFPB investigate these furnishers and credit reporting agencies for their failure to comply with the FCRA and ensure that : XXXX. All unverifiable, inaccurate, or duplicated items listed above are removed immediately. 
XXXX. The bureaus provide full reinvestigation documentation, including source information and verification evidence. 
XXXX. Appropriate corrective action is taken against the furnishers for repeated non-compliance. 
I am attaching copies of my previous dispute letters and recent credit report for your review. 
Thank you for your time and attention to this matter. I trust that the CFPB will take prompt action to ensure compliance and protect my consumer rights.

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 explanation