Consumer complaint received 2025-07-30 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: GA

Complaint narrative:
To Whom It May Concern I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding several inaccurate and damaging items being reported on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws I have made multiple attempts to dispute these items directly with the credit reporting agencies but they have failed to properly investigate and correct the information as required by law The following information is being inaccurately reported on my credit file and is causing substantial harm to my credit standing and overall financial well-being I am requesting that the CFPB intervene and assist in having these errors permanently removed or corrected from all major consumer reporting agencies. 
XXXX  # XXXXXXXX XXXX XXXX LATE PAYMENT * * LAW : FCRA 602 ( a ) : Protects the consumer from the reporting of outdated or incorrect data.

FCRA 607 ( b ) : Requires furnishers and bureaus to ensure the accuracy of reported information.

FCRA 609 ( a ) ( 1 ) : Grants the consumer the right to receive all information in their file, including the sources.

FCRA 611 ( a ) : Requires reinvestigation of disputed items and deletion if unverifiable.

ISSUE : This account shows a late payment without proper evidence or documented notice. 
STORY : I was never provided with documentation showing how this late payment was calculated or when it occurred. There is no account record, monthly billing history, or legal validation that confirms this negative entry. This report continues to harm my credit profile despite my first dispute. Without proof, continued reporting violates the FCRAs accuracy standards. If XXXX can not validate this alleged delinquency with actual billing statements or signed terms showing default, the negative entry must be removed. 
XXXX # XXXXXXXX XXXX XXXX LATE PAYMENT * * LAW : FCRA 602 ( a ) : Data reported must be fair, equitable, and substantiated.

FCRA 607 ( b ) : Bureaus must correct or delete inaccurate or unverifiable data.

FCRA 609 ( a ) ( 1 ) : Requires consumer access to all relevant information upon request.

FCRA 611 ( a ) : Mandates deletion of disputed data if it can not be verified.

ISSUE : Inaccurate late payment continues to be reported despite previous dispute and lack of verification.

STORY : I have requested full documentation on this account but have never received any proof that the alleged late payment occurred. No contractual agreement, no billing summary, no payment breakdown has been provided. The continued reporting of this unproven delinquency is unfair, misleading, and violates multiple provisions of the FCRA. I request the immediate deletion of this negative mark due to lack of validation and harmful impact on my creditworthiness. 
XXXX XXXX # XXXXXXXX XXXX XXXX  CHARGE OFF * * LAW : FCRA 602 ( a ) : Mandates fairness and accuracy in all credit reporting practices.

FCRA 607 ( b ) : Credit reporting agencies must ensure furnished data is accurate.

FCRA 609 ( a ) : Entitles the consumer to complete file information including sources.

FCRA 611 ( a ) : Any disputed item not verified must be removed within 30 days.

FDCPA 807 ( 8 ) : Prohibits false or misleading representation, including misreporting debt status.

ISSUE : Charged-off account being reported without complete documentation or legal accuracy. 
STORY : XXXX failed to respond to my prior request for validation. No account agreement, terms and conditions, account payment history, or proof of charge-off process has been provided. Reporting a debt as charged off without presenting the full legal context is misleading under both FCRA and FDCPA. If no official records exist showing how the charge-off status was determined, this entry must be deleted. Reporting a charge-off without proof of delinquency and consumer default is both misleading and legally questionable. 
XXXX  XXXX XX/XX/XXXX UNAUTHORIZED INQUIRY LAW : FCRA 604 ( a ) ( 3 ) : Prohibits accessing consumer reports without permissible purpose.

FCRA 607 ( a ) : Agencies must have safeguards to prevent unlawful access.

FCRA 611 ( a ) : Grants the right to dispute and remove unverifiable inquiries.

ISSUE : Inquiry conducted without a valid application or consumer consent. 
STORY : I have no relationship with XXXX  XXXX and never applied for any product or service that would justify this inquiry. I was not given a disclosure, nor did I authorize them to pull my report. This unauthorized access infringes on my privacy and affects my score. Please remove this inquiry unless full documentation of permissible purpose is submitted. 
XXXX XXXX XX/XX/XXXX UNAUTHORIZED INQUIRY LAW : FCRA 604 ( a ) ( 3 ) : Requires valid reason and consumer consent for credit inquiries.

FCRA 607 ( a ) : Reporting agencies must block improper access.

FCRA 611 ( a ) : Mandates deletion of unauthorized or unverified inquiries.

ISSUE : I did not authorize or initiate this inquiry, and no valid application exists. 
STORY : XXXX XXXX pulled my credit file without my knowledge or request. I never applied for any credit card or financial product with this company. I request the immediate removal of this hard inquiry due to its unauthorized and harmful nature. If there is any claim of permission, I demand a signed copy of the application. 
I respectfully request that the Consumer Financial Protection Bureau investigate these issues and require the credit bureaus to comply with their legal obligations under the FCRA and FDCPA I want all unverified inaccurate and unauthorized information to be removed from my credit report including the listed addresses accounts and inquiries These entries are severely impacting my ability to obtain housing employment and credit and are the result of negligent reporting and lack of proper investigation Please ensure that a thorough reinvestigation is conducted and that I am provided with full documentation and results in writing pursuant to 15 USC 1681i.

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