Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
I am submitting this formal complaint because the credit reporting agencies and furnishers have continued to report inaccurate, unverifiable, and unauthorized information on my credit reports. Despite prior dispute efforts, these items have not been properly investigated or removed, and I am still suffering severe financial and emotional harm. I am listing each problematic item below with the corresponding issue, law violations, and specific impact these errors have caused in my life. 
XXXX XXXX # XXXX * * * * LATE PAYMENT HIGH BALANCE : {$230.00} DATE OPENED : XX/XX/XXXX * * Issue : This account reported late payment entries that I strongly dispute. No notice of missed payment or billing error was ever received. Ive requested validation but received no adequate documentation.

Law Violation : FCRA 611 ( 15 U.S. Code 1681i ) and FDCPA 809 ( 15 U.S. Code 1692g ) require debt verifiers to provide proof of liability and billing accuracy. This was not fulfilled.

Story : This derogatory mark has dropped my credit score significantly and disqualified me from rental housing and a car lease. I am facing real-world harm due to inaccurate negative reporting that remains unresolved. 
XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHARGE OFF HIGH BALANCE : {$30000.00} DATE OPENED : XX/XX/XXXX * * Issue : This account was charged off and is now being falsely reported with inconsistent balance data. No proper notice of default or lawful collections process was followed. 
Law Violation : Under FCRA 623 and FDCPA 807 ( False or Misleading Representations ), this is illegal. Reporting agencies are also liable under 15 U.S. Code 1681s-2.

Story : I was never notified of delinquency timelines nor offered resolution before the charge-off. It has severely impacted my creditworthiness and mental well-being. The burden of proof lies on the furnishers, which they have failed to meet. 
XXXX # XXXX COLLECTION HIGH BALANCE : {$2100.00} DATE OPENED : XX/XX/XXXX * * Issue : This is a medical collection account reported without prior notice or billing validation. I never received any itemized medical bill or XXXX release authorization. 
Law Violation : HIPAA Privacy Rule, FCRA 609 ( a ), and FDCPA 809 mandate validation and patient consent. XXXX failed to comply with these requirements.

Story : This collection has caused emotional damage as it appeared unexpectedly on my report during a mortgage preapproval process. My patient rights and privacy have been grossly violated without legal justification. 
XXXX XXXX  INQUIRY DATE : XX/XX/XXXX Issue : No credit application was submitted by me to XXXX XXXX. This inquiry is unauthorized and fraudulent. 
Law Violation : Under FCRA 604 ( a ) ( 3 ), no third party can access my credit file without permissible intent. 
Story : I suspect someone attempted to apply in my name, which now puts me in an ongoing battle to clear my name and restore my profile. 
FXXXX INQUIRY DATE : XX/XX/XXXX Issue : I never applied for or interacted with any XXXX product or service. This is a false inquiry. 
Law Violation : Violates FCRA 604 ( a ) ( 3 ) and FDCPA as no permissible purpose was ever present. 
Story : I have been emotionally impacted by the fear of someone misusing my data. This situation demands immediate investigation and erasure of unauthorized access history. 
XXXX XXXX INQUIRY DATE : XX/XX/XXXX Issue : I did not apply for any credit with XXXX XXXX. I never gave permission for this inquiry.

Law Violation : FCRA 604 clearly requires informed consent for hard inquiries. 
Story : I have had to take extra time and legal steps to protect my credit profile from false entries and potential data compromise. 
These issues, individually and collectively, are in violation of multiple provisions under the FCRA ( 15 U.S.C. 1681 ), FDCPA ( 15 U.S.C. 1692 ), and other consumer protection laws. The harm caused by these violations is ongoing and is affecting my financial future, personal life, and mental health. I respectfully request the Consumer Financial Protection Bureau to investigate this matter, instruct the credit bureaus and furnishers to provide full validation, and require the immediate correction or deletion of all inaccurate and unauthorized information. 
Thank you for your time and attention to this serious matter.

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