Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am asking that there be some sort of accountability from the credit reporting agency for reporting this inaccurate information on my credit report. I've questioned the accounts on my credit report and I am requesting that the credit bureau effectively request the proper documentation opposed to receiving a generic answer supplying a verified confirmation opposed to looking over the proper documents in order for these accounts to report. I have no idea why the information is different amongst credit reports and this is unfair to me as a consumer. I am requesting the CFPB hold you accountable for the lacking supporting documents to represent my concerns. I'm about to be very specific. I am not stating that these accounts do not belong to me so do not state " we verified this account belongs to you. '' I have specific concerns about these accounts. Here are my concerns : Accounts : XXXX XXXX XXXX  : XXXX : Date of Last Activity : I discovered a discrepancy between the information in the field and records from other bureaus. Inaccuracies need to be promptly resolved. Please conduct a proper investigation. Payment History : I have noticed this misleading field on my credit report as it fails to report information that is 100 % accurate. The corrections for this information from my credit report should be prioritized. 

XXXX XXXX XXXX : XXXX : Account : I want to dispute this field because of the way it's been reported. I will patiently await the revised results. Date of Last Activity : Possible inaccuracies are present in the credit report for this field. Take the necessary steps to resolve the issue that has been raised. Date Reported : Because it displays differently on the other two credit bureaus, it appears that the data in this field is not reporting accurately. It should be resolved or adjusted. Creditor Type : This field is unreliable. I will await your resolution. Account Status : The contents of the field in my file should reflect with absolute accuracy, but I suspect it doesn't. Revisit and reassess the disputed item. Payment Status : I would like to bring to your attention the fact that the information displayed in this area is inconsistent. Please mend the error on my report. The faster you can get this done, the better. Comments : On the credit report, there is a field that clearly contains incorrect information. This information needs to be updated. No. of Months ( terms ) : The field referenced in this letter necessitates an investigation due to its inaccuracies. Please resolve this issue without delay. Account Type : My credit report contains inaccurate data in one field. The item requires immediate correction. Payment History : While it is expected that everything on the credit report should be 100 % accurate, unfortunately, this specific field does not meet that standard. I request an immediate investigation into this dispute and the prompt correction of the item to fix the credit report. 

XXXX XXXX : XXXX : High Balance : It appears that the data in this field is not reported accurately, as it varies across the three credit bureaus. Please resolve or update this item. Date of Last Activity : The credit report displayed a field inaccurately, differing from reports of other bureaus. Investigate the information in question and correct accordingly. Date Reported : Since the information on the report is incorrect and the other two bureaus are displaying different information, I am contesting this field. Correct the mistaken item. Creditor Type : Due to the incorrect nature of the field, my consumer report is being negatively impacted. It is imperative that you promptly address and fix the field. Comments : The credit report incorrectly lists this field as a result of improper reporting. Investigate the situation and resolve the issue right away. Payment History : According to the FTC, the credit report should indeed exhibit 100 % accuracy. However, upon examination, I have found that this particular field does not meet that requirement. I urgently request that the following inaccurate item be fixed immediately in order to correct the credit report. 

XXXX XXXX XXXX : XXXX : High Balance : I am disputing this field because the information on the report is incorrect, as the other two bureaus present different results. Correct the inaccurate item. Date of Last Activity : The information for this field is reported incorrectly. I need this data looked into and resolved, so please take action. Date Reported : It appears that this field has erroneous information that differs from that of the other two bureaus. Who is in possession of the truth? Make the necessary alterations to the problem as it is not reflecting the proper information. Creditor Type : An inaccurate field was displayed on the credit report. Provide evidence that the incorrect field has been corrected. Account Status : Data inconsistency is evident within the field. I mandate that the following fields undergo verification. Payment Status : When it comes to this particular field, the other bureaus are listing different data, and I don't know which one is providing accurate information. The law mandates that this be amended immediately. Comments : An erroneous field is visible in the credit report. It's not entirely accurate. Look into this dispute and rectify the inaccurate information in the report. No. of Months ( terms ) : I contest this field because it is reported accurately by other bureaus, but not by you. The following field requires immediate adjustment. Account Type : The reported data in one field doesn't align with other bureau reports. The detrimental data on my credit report needs adjustment. Payment History : There is an inaccurate item on my credit report. The information in this field differs from what is reported by other bureaus. Every necessary step must be taken to ensure that the reported information is thoroughly fixed and completely accurate. 
XXXX XXXX : XXXX : Date of Last Activity : The data in this field contains multiple inaccuracies. The FTC mandates that you look into the matter. After you've finished your inquiry, please make the necessary adjustments. Date Reported : According to the legislation, the data in the field listed below must be completely accurate. Why does it vary amongst credit bureaus? I need you to look into and resolve this issue. Comments : The listing from the other bureaus and this field are not the same. The information must be entirely accurate and complete. If not, immediately address it. Verify the original agreement with my signature to fulfill the FCRA 's permissible purpose clause to report. 
XXXX XXXX : XXXX : Date of Last Activity : The supplied data for this field is inaccurate, and I demand an explanation. The law requires an investigation into this matter, so please do it. Date Reported : I'm contesting the information in this field because I need you to follow the law and ensure that it is currently 100 % correct, even when it seems to be different from the other bureaus. Please conduct your research and provide me with updated facts. Date Opened : The field in discussion contains errors. Please address and solve this problem. Account Status : An erroneous field on my credit report came to my notice due to its unusual listing. Eagerly waiting for your resolution. Comments : It is being reported that this field on the creditor 's account is incorrect. Please let me know in writing that the account has been resolved once your investigation is complete. I'm grateful.Verify the original agreement with my signature to fulfill the FCRA 's permissible purpose clause to report. 
XXXX XXXX : XXXX : Date of Last Activity : A mistake appears to have been made in the field 's information. Please correct this once you have finished the investigation. Date Reported : The incorrect data in this field makes it misleading. Update, mend, and update this data. I'm done reiterating myself. 
XXXX XXXX XXXXXXXX XXXX  : XXXX : Date of Last Activity : I dispute the validity of this field on the grounds that the information is false. It is important to investigate mistakes and correct them. Kindly do so. Date Reported : The information given in this field is incorrect. Fix this problem and provide me an update, please.Verify the original agreement with my signature to fulfill the FCRA 's permissible purpose clause to report. 
XXXX XXXXXXXX XXXX inquiry : This inquiry is hurting my score and no permission was granted. Please be advised that Im asking for a full investigation into this data which I think is wrong and it needs to be deleted. XXXX XXXX inquiry : This item was not approved by me. Asking you to open an investigation into the matter and delete the inaccurate inquiry. XXXX  inquiry : Delete this inaccurate inquiry as I did not authorize it. I'm requesting that the inquiry in questioned be deleted right away.

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