Consumer complaint received 2025-12-24 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: OH

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, duplicate, unverified collection accounts and unauthorized credit inquiries that continue to be reported on my consumer credit file despite prior disputes. These items remain unresolved and reflect failures by furnishers and consumer reporting agencies to comply with their obligations under federal law. This complaint is submitted under the Fair Credit Reporting Act 15 U.S.C. 1681 et seq. and, where applicable, the Fair Debt Collection Practices Act 15 U.S.C. 1692 et seq. 
XXXX account number XXXXXXXX XXXX XXXX, reported as Charge Off, Date Opened XX/XX/XXXX, High Balance {$550.00}, is inaccurate and unverified. This account has been reported without providing any competent evidence of contractual liability, payment history accuracy, or lawful charge-off status. Continued reporting without proper verification violates FCRA accuracy and investigation requirements. 
XXXX XXXX account number XXXX XXXX XXXX reported as Charge Off, Date Opened XX/XX/XXXX, High Balance {$740.00}, is being reported inaccurately. The information furnished lacks proper documentation supporting the balance, charge-off designation, and consumer obligation, making the reporting incomplete and misleading under the FCRA. 
XXXX CARD account number XXXXXXXX XXXX XXXX, reported as Charge Off, Date Opened XX/XX/XXXX, High Balance {$630.00}, is not supported by verifiable records demonstrating accuracy of the charge-off status or balance. Reporting unverifiable derogatory information after dispute violates 15 U.S.C. 1681s-2 ( b ). 
XXXX XXXX account number XXXXXXXX XXXX XXXX reported as Charge Off, Date Opened XX/XX/XXXX, High Balance {$350.00}, is inaccurately reported and has not been properly investigated. No documentation has been provided to substantiate the reporting, and continued inclusion of this account is improper. 
XXXX XXXX account number XXXXXXXX XXXX XXXX reported as Collection, Date Opened XX/XX/XXXX, High Balance {$0.00}, is inaccurate and misleading. Reporting a collection account with a zero balance without proper validation or explanation fails to meet FCRA accuracy and completeness standards. 
XXXX XXXX account number XXXXXXXX XXXX XXXX reported as Collection, Date Opened XX/XX/XXXX, High Balance {$550.00}, appears to be duplicate reporting of the same alleged obligation. Duplicate and redundant reporting constitutes inaccurate furnishing and violates the FCRAs requirement for fair and accurate credit reporting. 
XXXX XXXX account number XXXXXXXX XXXX XXXX, reported as Collection, Date Opened XX/XX/XXXX, High Balance {$1000.00}, is disputed due to lack of proper debt validation. As a third-party debt collector, continued reporting without providing validation after dispute violates FDCPA 1692g and results in inaccurate credit reporting under the FCRA. 
XXXX  inquiry dated XX/XX/XXXX is unauthorized. I did not provide written or permissible purpose authorization for this inquiry, making its inclusion a violation of FCRA 1681b. 
The continued reporting of these inaccurate, duplicate, unverified accounts and unauthorized inquiries demonstrates a failure to conduct reasonable investigations and a failure to ensure maximum possible accuracy as required by federal law. I am requesting that the CFPB require the involved furnishers and consumer reporting agencies to correct or delete all disputed items immediately and to provide written confirmation of compliance. 
I respectfully request CFPB assistance to ensure that these violations are addressed and that my credit report reflects only accurate, complete, and verifiable information as required by law.

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