Consumer complaint received 2025-09-13 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 submitting this complaint regarding multiple inaccuracies and unfair reporting on my credit report that violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires that consumer reporting agencies maintain accurate information and promptly investigate disputed accounts. I dispute the accuracy and reporting of the following accounts and inquiries and request immediate correction or deletion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Charge Off This account has been reported as a charge-off incorrectly. I have never received any proper notice, billing statement, or validation of this debt. I have attempted to resolve this directly with the creditor and never acknowledged or agreed to the reported balance. Reporting this as a charge-off without verification is misleading, harms my creditworthiness, and constitutes a willful violation of FCRA 15 U.S.C. 1681i ( a ). I request a full investigation and deletion of this account if verification can not be provided. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment This account is falsely reporting a late payment. I have records of all payments made on time and have never missed any due dates. The reporting is inaccurate, negatively impacts my credit score, and misrepresents my payment history. Such false reporting violates FCRA requirements for accuracy. I request verification of the reported late payment and immediate correction or removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$710.00} Date Opened : XX/XX/XXXX Late Payment This account is incorrectly reported as late. I dispute the reported late payment. All payments have been made timely, and the reported history does not match my actual payment records. Including inaccurate information of this nature is damaging to my financial reputation and credit opportunities. I demand that this account be investigated, verified, and corrected or deleted if unverifiable. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$650.00} Collection This account is inaccurately reported as a collection. I have never received proper validation or notice of this debt, nor have I been contacted in a manner consistent with FCRA or the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverified debts constitutes willful misrepresentation and harms my credit profile. I dispute this account and demand immediate investigation and removal if verification can not be provided. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Collection This account is also incorrectly reported as a collection. I dispute both the balance and the validity of the debt. I have never agreed to this alleged debt and have not received any documentation supporting its legitimacy. Reporting such unverified information is a violation of FCRA 15 U.S.C. 1681i ( a ) and must be corrected immediately. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$29000.00} Collection This account is erroneously reported as a collection. I have no record of this debt and have not been properly notified or provided validation. The reported balance is completely inaccurate, and this reporting has caused severe damage to my credit profile. The inclusion of this account without verification constitutes a willful violation of federal law under FCRA 15 U.S.C. 1681i ( a ). I demand immediate removal or correction and a thorough investigation into the legitimacy of this account. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} Collection This account is inaccurately reported as a collection. I have no record of this debt and have not received proper notice or validation. Reporting this unverified debt is misleading, harms my creditworthiness, and violates FCRA 15 U.S.C. 1681i ( a ). I demand investigation and removal if verification can not be provided. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1400.00} Collection This account is also falsely reported in collections. I dispute the validity of the debt as I have never been provided documentation or validation supporting the claimed balance. Reporting unverified debts violates my rights and misrepresents my credit history. Immediate correction or deletion is required. 
Unauthorized Credit Inquiries Dispute Format XXXX  XXXX XX/XX/XXXX Unauthorized Inquiry XXXX XXXX XXXXXX/XX/XXXX Unauthorized Inquiry XXXX XXXX XX/XX/XXXX Unauthorized Inquiry XXXX XXXX XX/XX/XXXX Unauthorized Inquiry XXXX  XX/XX/XXXX Unauthorized Inquiry XXXX XX/XX/XXXX XXXX Inquiry XXXX XXXXXX/XX/XXXX Unauthorized Inquiry XXXX  XXXX XX/XX/XXXX Unauthorized Inquiry XXXX  XXXX XX/XX/XXXX Unauthorized Inquiry I dispute all of the above inquiries as they were made without my authorization and lack permissible purpose under FCRA 15 U.S.C. 1681b. Reporting unauthorized inquiries harms my credit profile and is a violation of federal law. I demand immediate removal of all unauthorized inquiries and correction of my credit report. 
I demand that all credit reporting agencies promptly investigate these accounts and inquiries, verify the accuracy of all reported information, and delete or correct any information found to be false or unverifiable. Continued reporting of these inaccurate accounts and unauthorized inquiries constitutes willful violation of federal law, and I reserve all rights to pursue legal remedies if these inaccuracies are not corrected immediately.

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