Consumer complaint received 2025-08-12 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: CA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) to formally dispute inaccurate information and unauthorized activities appearing on my credit report. Despite my previous attempts to resolve these errors with the credit reporting agencies and furnishers, the incorrect data remains, causing harm to my credit profile and financial opportunities. I rely on the CFPB to enforce the Fair Credit Reporting Act ( FCRA ) and protect consumers from unfair and inaccurate credit reporting practices. 
ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$500.00} Late Payment * * Law/Issue : FCRA 611 Duty to investigate disputed information ; account history showing late payments is unverifiable and inaccurate Story : I have requested proof of the alleged late payments, but the creditor has failed to provide verifiable documentation ; the reporting remains incomplete and inaccurate and must be corrected or deleted XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law/Issue : FCRA 623 ( A ) ( 1 ) ( A ) Furnisher duty to report accurate information ; reporting lates on an account with zero balance is inaccurate Story : A paid and closed account should not continue to show derogatory payment history ; this is misleading and harmful to my creditworthiness XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Chargeoff * * Law/Issue : FCRA 611 and 623 Reporting of unverifiable charge-off status ; creditor has not validated debt upon request Story : I have disputed this account multiple times and have not been provided with original signed contract or complete payment history ; the continued reporting is a violation of federal law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2100.00} Late Payment * * Law/Issue : FCRA 607 ( B ) Inaccurate reporting of payment status ; missing supporting documents Story : The alleged late payments are not backed by complete, accurate records from the furnisher, therefore must be corrected or removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3700.00} Late Payment * * Law/Issue : FCRA 623 ( A ) ( 1 ) ( A ) Furnisher providing inaccurate derogatory information Story : I dispute the accuracy of the late payment entries as they are not supported by verifiable evidence from the creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00} Late Payment * * Law/Issue : FCRA 611 Lack of reinvestigation into disputed late payment entries Story : The creditor failed to provide proof of due dates, payment records, and notices for the claimed lates, making this information unverifiable INQUIRIES XXXX XX/XX/XXXX Law/Issue : FCRA 604 No permissible purpose for access Story : I have not authorized or applied for any credit from this company XXXX XX/XX/XXXX Law/Issue : FCRA 604 Unauthorized inquiry Story : I did not consent to this company accessing my credit report I respectfully urge the Consumer Financial Protection Bureau to take action to ensure that my rights under the Fair Credit Reporting Act are enforced . I seek a full and fair reinvestigation of all disputed items, correction or deletion of inaccurate information, and removal of unauthorized inquiries. These corrections are necessary to restore the integrity of my credit report and protect my financial reputation. Thank you for your prompt attention and assistance in resolving these serious matters.

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