Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am submitting this complaint because multiple credit reporting agencies and furnishers have failed to properly investigate and correct inaccurate and unverifiable information that continues to damage my credit profile. Despite sending a first-round dispute and now a second-round dispute, the information remains, and I have not been provided with full validation or documentation to prove accuracy as required by law. This ongoing situation is a violation of my consumer rights under the Fair Credit Reporting Act, including 611 and 623, which require accuracy, reinvestigation, and the prohibition of reporting unverifiable information. 

XXXX of the accounts still being reported is from XXXX with account number XXXX XXXX XXXX XXXX XXXX This account is showing late payments and is linked to the address XXXX XXXX XXXX XXXX, NY XXXX, which is not a valid or accurate address connected to me. The presence of this inaccurate address and the derogatory reporting tied to it suggest that this account is either unverifiable or improperly linked, yet it continues to appear on my credit report without correction. 

Another account in dispute is from XXXX XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX This account is reported with late payment history, yet no proper validation has been provided to confirm that these reported delinquencies are accurate. My previous request for a reinvestigation was ignored, and the information continues to remain, harming my credit profile with no evidence to support its accuracy. 

The third disputed account is from XXXX XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX This account is reported with a balance of {$27000.00} and late payments. Once again, I have not been provided with any original signed documentation or reliable proof to verify the accuracy of this reporting. The burden of proof lies with the furnisher and the reporting agencies, yet they have continued to report this information without fulfilling their legal obligations. 

I have already made formal disputes, but the agencies and furnishers have failed to correct or validate the information. The continued reporting of these items is reckless, misleading, and unlawful. It has created ongoing harm to my creditworthiness, financial standing, and peace of mind. I am requesting that the Consumer Financial Protection Bureau take action to hold the credit bureaus and furnishers accountable, require them to provide full validation with original documentation, and demand deletion of any unverifiable or inaccurate information, including XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX account number XXXXXXXX XXXX XXXX XXXX XXXX 

I believe this matter deserves immediate review and corrective action as the law clearly prohibits the continued reporting of inaccurate or unverifiable accounts.

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