Consumer complaint received 2025-11-20 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: NJ

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate, unverifiable, and misleading items appearing on my consumer credit reports. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) 602 ( A ), 604, 607 ( B ), 609, and 611, as well as the Fair Credit Billing Act ( FCBA ).

Despite previous disputes, these accounts and inquiries continue to be inaccurately reported. I am requesting CFPB intervention to ensure all furnishers and credit bureaus comply with federal law. 

XXXX. LATE PAYMENT ACCOUNTS REPORTING IS FALSE I am disputing the following accounts because I have never made any late payments on them. 
The payment history being reported is factually incorrect, misleading, and violates FCRA 607 ( B ) for lack of maximum possible accuracy : XXXX XXXX XXXX XXXX  XXXX Opened : XX/XX/XXXX High Credit : {$2000.00} Reported Late Payment ( False ) XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX High Credit : {$1000.00} Reported Late Payment ( False ) XXXX XXXX XXXX Opened : XX/XX/XXXX High Credit : {$700.00} Reported Late Payment ( False ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX High Credit : {$0.00} Late Payment ( False ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Credit : {$0.00} Late Payment ( False ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX High Credit : {$0.00} Late Payment ( False ) These furnishers have failed to provide accurate and verifiable payment histories. 
I demand correction immediately to reflect on-time payment history. 

XXXX. CHARGE-OFF ACCOUNTS I HAVE NO KNOWLEDGE OF THESE ACCOUNTS I am disputing the following accounts as fraudulent or incorrectly attributed to me, because I have no knowledge of ever opening or authorizing any of them. 
These items must be removed entirely, not corrected : XXXX XXXX XXXX XXXX XXXX Opened : XXXX XXXX, XXXX High Credit : {$17000.00} Charge-Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX High Credit : {$15000.00} Charge-Off XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX High Credit : {$7300.00} Charge-XXXX XXXX XXXX Opened : XX/XX/XXXX High Credit : {$770.00} Charge-Off These accounts do not belong to me. 
Under FCRA 609 and 611, if a furnisher can not prove ownership, the account must be deleted. 

XXXX. UNAUTHORIZED CREDIT INQUIRIES I am disputing the following inquiries as unauthorized and not initiated by me : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Under FCRA 604, inquiries require written authorization. 
I never granted permission for these companies to access my credit file, and I request immediate removal. 

Requested Action I request the CFPB ensure that all XXXX XXXX XXXX and furnishers : Correct all false late payment information. 

Delete all charge-off accounts that do not belong to me. 

Remove all unauthorized inquiries. 

Provide me with complete documentation of their investigation and evidence used for verification. 

Ensure all furnishers comply with FCRA accuracy and verification requirements. 

I certify that all information in this complaint is accurate to the best of my knowledge. 

Thank you for your time and assistance. I request prompt investigation and resolution.

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