Consumer complaint received 2025-12-23 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 complaint regarding continued inaccurate and unverified information being reported on my consumer credit reports. I previously disputed these items directly with the credit reporting agencies. Despite my disputes, the inaccurate information remains. I am filing this complaint under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which requires maximum possible accuracy and a reasonable reinvestigation of disputed information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX | Balance Owed : {$0.00} Issue : Charge Off I dispute the charge-off status on this account. I have no knowledge of a valid charge-off and the reporting is inaccurate and incomplete. If this information can not be properly verified, it must be deleted under FCRA 1681e ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX | Balance Owed : {$2100.00} Issue : Charge Off This account is inaccurately reported as a charge-off. I dispute the accuracy of the balance, status, and charge-off designation. Full verification is required. If verification can not be provided, the account must be corrected or removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX | Balance Owed : {$390.00} Issue : Charge Off I dispute this charge-off reporting as inaccurate. The account history being reported is incomplete and misleading. Failure to verify this information requires deletion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX | Balance Owed : {$0.00} Issue : Charge Off A charge-off reported with a zero balance is inaccurate and misleading. If the charge-off status can not be fully verified with proper documentation, this account must be corrected or deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX | Balance Owed : {$0.00} Issue : Late Payment Late payment history on this account is inaccurate. I dispute the reported payment history and request correction of any incorrect late payment information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX | Balance Owed : {$110.00} Issue : Late Payment This account is reporting late payment history that is inaccurate. I did not make late payments as reported. The payment history does not reflect accurate account activity and must be corrected or removed if unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX | Balance Owed : {$25000.00} Issue : Collection I dispute this collection account in its entirety. I have no knowledge of this debt and no valid proof of obligation has been provided. Unverified collection reporting violates federal law and requires deletion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX | Balance Owed : {$7400.00} Issue : Collection This appears to be duplicate reporting of the same alleged debt with a conflicting balance. Duplicate and inconsistent reporting is inaccurate and misleading. One or more of these entries must be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX | Balance Owed : {$2100.00} Issue : Collection This is an additional duplicate entry associated with the same alleged debt. Multiple balances for the same account number are inaccurate. If proper verification can not be provided, this account must be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX | Balance Owed : {$3400.00} Issue : Collection I have no knowledge of this alleged debt. As a third-party debt collector, XXXX XXXX must provide full verification. If verification can not be produced, this collection must be deleted. 
XXXX XXXX XXXXXXXX XXXX XXXX Open Date : XX/XX/XXXX | Balance Owed : {$650.00} Issue : Collection I dispute this collection account. No verified agreement or documentation has been provided establishing liability. Reporting an unverified collection violates the FCRA and requires deletion if unverifiable. 
XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Inquiry I did not authorize this credit inquiry and no permissible purpose has been established. This inquiry is inaccurate and must be deleted. 
Despite multiple disputes, the credit reporting agencies and furnishers have failed to conduct a reasonable investigation and correct or delete inaccurate and unverifiable information. I am requesting CFPB assistance to ensure compliance with the Fair Credit Reporting Act and to require correction or deletion of these items.

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