Consumer complaint received 2025-11-23 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: MD

Complaint narrative:
I am filing this official complaint because the credit bureaus are reporting multiple false, inaccurate, unverifiable, identity-mismatched, and fraudulent items on my credit report in violation of FCRA 1681e ( b ) ( accuracy requirement ), FCRA 1681i ( reinvestigation requirement ), and FCRA 609 / 611 ( right to verification ). These items DO NOT belong to me, and the bureaus have failed to produce any original documentation proving otherwise. I am requesting immediate CFPB intervention. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$100000.00} Late Payment * * This late payment is being disputed because I never made any late payments on this account. This information is falsely reported and does not match my actual payment history. I demand immediate correction, full payment history validation, and removal of any inaccurately reported delinquency. Under FCRA 15 USC 1681e ( b ) you are required to maintain maximum accuracy. If you can not prove a legitimate late payment with timestamped records originating from the furnisher, you MUST correct this immediately. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2300.00} Late Payment * * I dispute this late payment because I never missed any payments and no verified documents exist that support this alleged delinquency. This appears to be an internal reporting error. I demand strict verification under FCRA 1681i ( a ) and correction of this false information. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1300.00} Late Payment * * This account is falsely marked as late. I dispute the entire late payment entry. Provide proof or remove it completely. Any unverifiable data is required to be deleted under FCRA 1681i ( a ) ( 5 ). 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off * * I dispute this charge-off because I have no knowledge of ever owing or defaulting on this account. The information is inaccurate, unverifiable, and falsely attributed to me. Delete immediately under FCRA. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} Charge Off * * I dispute this account entirely. I have no knowledge of this debt, never authorized it, never received billing statements, and it does not belong to me. This appears to be a mixed file or identity error. Any unverifiable or unproven account must be deleted. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off * * This reporting is invalid. I do not recognize this charge-off. I demand deletion for unverifiable, inaccurate reporting. 
XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$19000.00} Charge Off * * I dispute this because I have no verified records proving I ever defaulted on this account. This is inaccurate reporting and must be removed immediately under FCRA accuracy standards. 
XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$10000.00} Charge Off * * This is not my account and I dispute all information being reported. I demand deletion due to unverifiable and inaccurate reporting. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2300.00} Charge Off * * This account does not belong to me. I dispute 100 % of the information and demand deletion because the data is inaccurate and unverified. You must provide documentation or delete the entire account from my report. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$150.00} Collection * * I dispute this collection entirely. I have no knowledge of ever owing this debt, never received any billing statements, notices, or validation documents. This appears to be a mistaken or mixed-file entry. Under FCRA 15 USC 1681e ( b ) and 1681i ( a ), you must verify this with proper documentation or delete it immediately. Any unverifiable or mismatched data must be removed without delay. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} Collection * * I dispute this collection because I do not recognize this debt. XXXX is known for purchasing unverified and incomplete portfolios, and this entry appears to be falsely attached to my profile. Provide full chain-of-custody documentation, original creditor proof, and signed contractual evidence. If you can not produce these, delete this immediately as required under FCRA 1681i ( a ) ( 5 ). 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Charge Off * * This charge-off is disputed because I have no verified record supporting that I ever defaulted on such an account. This appears to be extremely old, inaccurately reported, and lacking documentation. I demand full verification or immediate deletion under FCRA accuracy requirements. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1800.00} Charge Off * * I dispute this account because I do not recognize any valid debt from XXXX XXXX This entry is completely inaccurate and unverifiable. If XXXX can not prove with original statements, application records, and charge-off validation, you must delete this entry immediately. 
XXXX  XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1000.00} Charge Off * * I dispute this charge-off due to total lack of knowledge of this account. I never authorized, opened, or received notifications from this account. This appears to be a mixed file error. Delete immediately if documentation can not be produced. 
XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off * * I dispute this because it shows a XXXX balance but a charge-off, which is contradictory and signals inaccurate reporting. I demand strict verification of the legitimacy of this account. If you can not provide complete documentation, delete the entire account. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3900.00} Charge Off * * I dispute this entire account. I do not recognize any debt with XXXX XXXX. This looks like an unverified, outdated, and improperly reported account. Delete immediately under FCRA for unverifiable reporting. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off * * I dispute this because a XXXX-balance charge-off is inconsistent and improperly reported. I have no knowledge of a XXXX XXXX account matching this number. If you can not verify this with original contract and payment history, delete it immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$25000.00} Charge Off * * I dispute this charge-off. I do not recognize this account and have never been provided any lawful documents connecting me to this alleged debt. This appears to be inaccurate and unverifiable data placed on my report. Remove it immediately under FCRA 1681i. 
XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4300.00} Collection * * I dispute this collection. XXXX XXXX XXXX often reports unverifiable third-party accounts without proper validation. I never received any notice, validation letter, or proof. If you can not verify with original creditor documentation, delete this immediately. 
SUMMARY OF VIOLATIONS Reporting accounts that do NOT belong to me No original creditor documentation provided Failure to validate debts Failure to reinvestigate properly Identity mismatch and fraudulent data Violation of FCRA 1681e ( b ) ( accuracy ), 1681i ( reinvestigation ), 609 / 611 ( verification ) Violation of FDCPA 1692g for the collection entry The bureaus actions are causing severe harm to my credit, reputation, and financial opportunities. I am requesting the CFPB to force the bureaus to : 1. Delete all inaccurate and unverifiable items immediately 2. Provide proof of their reinvestigation process 3. Confirm compliance with federal law 4. Send corrected reports to all third parties who accessed my credit I certify that everything listed above is true and the items do NOT belong to me.

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