Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im disputing several negative accounts on my credit report that I believe are inaccurate or can not be verified. Ive tried to resolve these disputes before, but no proper documentation or validation has been provided. Im asking for help to make sure these accounts are fully investigated and corrected or removed if they can't be verified. 

Details : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Multiple accounts are showing charge-offs, but the information varies across credit bureaus. Some show different balances, dates, or statuses.

Requested Action : Please verify the ownership, balance, and status of each account. If any are duplicates, inaccurate, or unverifiable, they should be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is listed as charged off for {$7400.00}. I disputed it before, but got no supporting documents. It just came back as meets FCRA requirements. 
Requested Action : Provide full verification including balance, ownership, and documentation. If it cant be verified, delete the account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This shows a charge-off for {$18000.00}. No proof that XXXX still owns or services the debt has been provided. 
Requested Action : Validate ownership and reporting rights. If unverifiable, remove the account. 
XXXX. XXXX XXXX XXXX ( XXXX ) Account ending in XXXXXXXX XXXX XXXX XXXX XXXX  Issue : This credit card account is showing a charge-off for {$7800.00}. I previously disputed it, but I never received any documents or explanation in response. The account continues to be reported without proper validation.

Requested Action : Please investigate. If the furnisher can not provide documentation to support this account, it should be removed from my credit report. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account shows a charge-off and includes a consumer disagrees note. That remark is misleading and makes it seem like the dispute is still unresolved.

Requested Action : Check the accuracy of the remark and account info. If its not correct or cant be verified, remove the account and the remark. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  This shows an {$830.00} debt I do not recognize. I never got any written notice of collection within five days as required under the FDCPA. 
Requested Action : Validate this debt and confirm it was properly communicated. If not, delete the account since continued reporting without validation violates both the FDCPA and FCRA. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account shows a charge-off of {$2600.00} but has inconsistent notes and statuses across the credit bureaus. No documents or proper verification were ever provided. 
Requested Action : If XXXX cant show proof of the debt, ownership, and reporting details, it should be removed.

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