Consumer complaint received 2026-05-11 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: AL

Complaint narrative:
Despite two formal certified mail dispute letters demanding reinvestigation and deletion of both accounts, XXXX XXXX XXXX has failed to conduct a lawful reinvestigation of either account, failed to verify either debt, failed to respond in writing within the time required by law, and continues to report and attempt collection on accounts that are unverified and potentially fraudulent. I now seek CFPB intervention to enforce my federal consumer rights with respect to both accounts. Dispute Timeline & Actions Taken XX/XX/XXXX : I discovered both account ending in XXXX and account ending in XXXX on my consumer credit report. I did not recognize either account, had not authorized the creation or use of either, and immediately suspected identity theft with respect to both accounts. XX/XX/XXXX : I contacted XXXX by telephone, speaking with representatives XXXX and XXXX, to dispute these and other accounts and to verify the status of my identity-theft security freeze. XXXXXXXX XXXX freeze verification process failed the freeze was not properly applied or confirmed despite my explicit request, leaving my credit file exposed and both fraudulent accounts free to continue causing harm. XX/XX/XXXX : I followed up with XXXX XXXX assigned XXXX XXXX XXXX with Confirmation Number XXXX. XX/XX/XXXX : I sent a formal certified mail dispute letter to XXXX XXXX XXXX, disputing both account ending in XXXX and account ending in XXXX as unverifiable and potentially the result of identity theft, and demanding reinvestigation and deletion of both accounts from all consumer reporting agencies. XX/XX/XXXX : I sent a second certified mail dispute letter to XXXX XXXX XXXX, reiterating my dispute of both accounts and demanding written confirmation of corrective action within the legally required timeframe with respect to both account ending in XXXX and account ending in XXXX. XX/XX/XXXX : No adequate response received concerning either account. FCRA and FDCPA Violations XXXX XXXX XXXX has committed the following violations of federal consumer protection law with respect to both account ending in XXXX and account ending in XXXX : Failure to conduct a reasonable reinvestigation of either disputed account upon receiving my certified mail disputes, in violation of 15 U.S.C. 1681i. XXXX XXXX Collections was required to promptly and thoroughly reinvestigate both accounts and has failed to do so. Continued furnishing of inaccurate or unverifiable information regarding both accounts to consumer reporting agencies, in violation of 15 U.S.C. 1681s-2 ( b ). Despite receiving notice of my disputes, XXXX XXXX XXXX has continued to report both account ending in XXXX and account ending in XXXX without verification. Failure to mark both disputed accounts as disputed with consumer reporting agencies, in violation of 15 U.S.C. 1681i ( c ). Neither account has been properly flagged as being under active consumer dispute. Failure to provide written reinvestigation results within 30 days with respect to either account, as required by 15 U.S.C. 1681i ( a ) ( 1 ). Failure to delete or correct unverified inaccurate information regarding both accounts after receiving notice of dispute and failing to verify either debt. Failure to block information resulting from identity theft for both accounts under 15 U.S.C. 1681c-2. As both accounts are suspected to be the product of identity theft, XXXX XXXX XXXX had an obligation to block reporting of both accounts upon receiving appropriate consumer documentation. FDCPA violations : XXXX XXXX XXXX, as a third-party debt collector, has continued collection activity on both disputed debts without first verifying either debt as required by 15 U.S.C. 1692g, in violation of the FDCPA, 15 U.S.C. 1692 et seq. XXXX XXXX XXXX XXXXXXXX and compounding damage to my consumer credit score from the continued inaccurate and derogatory reporting of both account ending in XXXX and account ending in XXXX on my credit file. Denial of, and ongoing inability to obtain, credit, housing, and other financial products as a direct result of XXXX unverified negative accounts appearing on my consumer credit report. Severe emotional distress, anxiety, and an extraordinary burden of time spent disputing XXXX separate fraudulent accounts through proper legal channels without any adequate response or 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 explanation