Consumer complaint received 2025-12-18 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:
b'To the Consumer Financial Protection Bureau, I am submitting this complaint to report ongoing violations of the Fair Credit Reporting Act by consumer reporting agencies and data furnishers who continue to report inaccurate, incomplete, and unverified information on my credit file despite their legal obligations. Under 15 U.S.C. 1681(a)(1), 1681e(b), 1681b, and 1681i, consumer reporting agencies are required to ensure maximum possible accuracy and to remove or correct information that cannot be verified through a reasonable reinvestigation. However, the accounts listed below continue to be reported without proper validation, causing ongoing harm to my consumer rights.XXXX XXXX Date Opened: XXXX Balance Owed: $XXXX Charge Off. I have no knowledge of this account and do not recognize it as mine. I have never received any billing statements, original contract, or validation showing that I am legally responsible for this alleged debt. The charge-off status is being reported without proof of ownership, chain of assignment, or signed agreement. If this account cannot be fully verified with competent evidence, it must be deletedXXXX XXXX XXXX Date Opened: XXXX Balance Owed: $XXXX Charge Off. This account is being reported as charged off, yet no documentation has been provided to show how the balance was calculated, when the account became delinquent, or whether the reporting is accurate. I dispute this account in its entirety as I do not acknowledge responsibility for this alleged obligation. Absent proper verification, continued reporting violates 15 U.S.C. 1681e(b).XXXX XXXX XXXX Date Opened: XXXX Balance Owed: $XXXX Charge Off. This appears to be a separate reporting of a similar account number, which raises concerns of duplicate or inaccurate reporting. I dispute the accuracy, balance, and charge-off status of this account and request full verification including original creditor records and payment history. If verification cannot be produced, this account must be removed.XXXX XXXX Date Opened: XXXX Balance Owed: $XXXX Late Payment. This account is inaccurately reporting late payment history. I did not make any late payments on this account, and the payment history being reported does not reflect my actual account performance. I am not requesting deletion of this account; I am requesting correction of the inaccurate late payment history to reflect accurate, on-time payments only, as required under the FCRA.XXXX XXXX XXXX Date Opened: XXXX Balance Owed: $XXXX Collection. This appears to be related to the above account and may represent duplicate or improper reporting of the same alleged debt. I dispute this collection account in full due to lack of validation, potential duplication, and failure to demonstrate legal right to report. If this account cannot be properly verified and differentiated, it must be removed.XXXX XXXX XXXX Date Opened: XXXX Balance Owed: $XXXX Collection. I have no knowledge of this collection account and do not recognize it as mine. I have never received any validation, original creditor documentation, or proof of assignment showing that XXXX XXXX has the legal right to report or collect this alleged debt. The continued reporting of this account without proper verification violates the FCRA and must be deleted if it cannot be fully substantiated.XXXX XXXX Date Opened: XXXX Balance Owed: $XXXX Collection. I dispute this account in its entirety as I do not acknowledge responsibility for this alleged obligation. No signed agreement, itemized balance, or evidence of lawful ownership has been provided. Reporting a collection account without competent verification is inaccurate and misleading, and if proper documentation cannot be produced, this account must be removed from my credit fileXXXX XXXX XXXX Date Opened: XXXX Balance Owed: $XXXX Collection. I have no knowledge of this account and have never been provided proof that this debt belongs to me or that XXXX XXXX has authority to report it. The balance, ownership, and collection status are all disputed. Absent full verification in compliance with 15 U.S.C. 1681i, this account must be deleted.\nDespite my disputes, these items remain on my credit report without evidence of lawful verification. This pattern demonstrates a failure to conduct a reasonable reinvestigation and a failure to maintain maximum possible accuracy, as required by federal law. I am requesting that the CFPB investigate these violations and require the consumer reporting agencies and furnishers involved to delete or correct all unverified information immediately and to ensure future compliance with the Fair Credit Reporting Act.\nI am requesting written confirmation of the resolution of this complaint and corrective action taken regarding each disputed item. These inaccuracies should not continue to appear on my credit file without proper documentation and legal justification.'

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