Consumer complaint received 2025-11-09 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 requested proof of authorization or documentation verifying permissible purpose under FCRA and XXXX XXXX ( XXXX ). 
Detailed Complaint : TransUnion is in violation of multiple provisions under the Fair Credit Reporting Act ( FCRA ) for continuing to report inaccurate, incomplete, and unverified information despite repeated disputes and requests for investigation. 
1. Unauthorized Inquiries The following inquiries were never authorized or initiated by me : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under FCRA 604 ( a ) ( 3 ), no consumer reporting agency may release a credit report without a permissible purpose or written consent.

I requested verification of each inquiry and proof of authorization, but TransUnion failed to provide any documentation, violating FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) ( A ). 
Per XXXX XXXX Compliance Manual 4.2.2, all reported data must be verifiable, accurate, and supported by documentation. Continuing to publish these inquiries without verification constitutes a factual inaccuracy under FCRA 623 ( a ) ( 1 ) ( A ).

I am demanding immediate deletion of all unverified inquiries from my TransUnion credit report and written confirmation once completed. 
2. XXXX XXXX XXXX Account No. XXXX ) This account is being reported as a charge-off with a XXXX balance and no activity since XXXX. 
Reporting a {$0.00} balance as a Charge-Off is false and misleading, violating FCRA 607 ( b ) ( maximum possible accuracy ) and FCRA 623 ( a ) ( 2 ), which requires furnishers to update information when it becomes inaccurate or incomplete.

Under XXXX XXXX 4.2.3, once an account is paid or sold, it must not continue to report as charged-off or derogatory. 
TransUnion is also duplicating this same debt under XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX ), which is a separate violation under FCRA 605 ( b ) duplicative and misleading reporting of the same tradeline.

I have never received validation or ownership documentation for this account from either the original creditor or the collection agency, in violation of 15 U.S.C. 1692g ( FDCPA ).

This account must be immediately deleted from all credit reporting systems. 
3. XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX ) This collection is inaccurate and unverifiable. I have disputed it repeatedly for over 90 days with no response or supporting documentation. 
Per FCRA 623 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), furnishers and CRAs must conduct a reasonable reinvestigation of disputed information.

TransUnions continued reporting without validation violates FCRA 607 ( b ) and XXXX XXXX 4.3.1, which prohibit maintaining unverifiable or outdated derogatory data. 
I demand immediate deletion of this unverified collection and a written notice confirming correction. 
4. XXXX XXXX  Late Payment TransUnion continues to report a 120-day late mark on a closed and paid account with a {$0.00} balance.

This is inconsistent with FCRA 623 ( a ) ( 2 ) and XXXX XXXX 6.2.1, which prohibit the furnishing of derogatory information once an account is closed or paid.

No validation or payment history has been provided to support this late notation.

I am requesting immediate deletion of the late payment history associated with XXXX XXXX, account ending in XXXX.

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