Consumer complaint received 2025-07-30 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 filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding several inaccurate and damaging items being reported on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws I have made multiple attempts to dispute these items directly with the credit reporting agencies but they have failed to properly investigate and correct the information as required by law The following information is being inaccurately reported on my credit file and is causing substantial harm to my credit standing and overall financial well-being I am requesting that the CFPB intervene and assist in having these errors permanently removed or corrected from all major consumer reporting agencies. 
CHARGE-OFF ACCOUNT XXXX XXXXXXXX * High Balance : {$160000.00} Date Opened : XX/XX/XXXX * * Issue : This account is reporting as charged-off without providing verification or supporting documentation Law Issue : FCRA 611 ( a ), 609 ( a ) ( 1 ) You must provide full validation from the original creditor or remove the account Story : I previously disputed this item and received no proof of debt, no payment history, no signed agreements or loan terms. This unverified negative account is severely damaging my credit report and must be deleted immediately CHARGE-OFF ACCOUNT XXXX XXXX XXXX * High Balance : {$24000.00} Date Opened : XX/XX/XXXX * * Issue : This charge-off is being reported without any supporting evidence of validity Law Issue : FCRA 611 If this account can not be validated through original documentation, it must be removed Story : No documents or agreements have been provided to prove this debt is mine. I have no record of this account or any transactions with XXXX XXXX. Reporting unverifiable debt violates my rights and this entry must be deleted BANKRUPTCY PUBLIC RECORD XXXX XXXX  Bankruptcy Reference # XXXX Court : U.S. Bankruptcy Court Issue : This bankruptcy record is being reported without direct court-verified documentation Law Issue : FCRA 607 and 611 Public records must be verified directly with the court, not with third-party vendors Story : You have not provided any certified records from the bankruptcy court proving this was filed under my identity. Third-party data from XXXX or XXXX does not satisfy FCRA requirements XXXX If it can not be verified with the court directly, this record must be removed UNAUTHORIZED INQUIRY XXXX Date : XX/XX/XXXX Issue : Inquiry was unauthorized and not based on any permissible credit activity Law Issue : FCRA 604 Inquiries must be based on consumer authorization Story : I never engaged in any transaction with XXXX or provided permission for them to access my credit. This inquiry must be deleted UNAUTHORIZED INQUIRY XXXX  Date : XX/XX/XXXX Issue : Unauthorized inquiry with no legitimate basis Law Issue : FCRA 604 ( b ) ( 2 ) Requires consumers written consent Story : I never applied for a loan from XXXX. This credit pull is unjustified and must be removed UNAUTHORIZED INQUIRY XXXX Date : XX/XX/XXXX Issue : Unapproved inquiry with no permissible purpose Law Issue : FCRA 604 Hard inquiries must be authorized Story : I have never had any dealings with XXXX. I did not consent to this credit access. Please remove this immediately UNAUTHORIZED INQUIRY XXXX Date : XX/XX/XXXX Issue : This is an unauthorized and inaccurate inquiry Law Issue : FCRA 604 Requires a valid credit application and authorization Story : I never applied for credit with XXXX or approved any access to my credit report. This must be corrected I respectfully request that the Consumer Financial Protection Bureau investigate these issues and require the credit bureaus to comply with their legal obligations under the FCRA and FDCPA I want all unverified inaccurate and unauthorized information to be removed from my credit report including the listed addresses accounts and inquiries These entries are severely impacting my ability to obtain housing employment and credit and are the result of negligent reporting and lack of proper investigation Please ensure that a thorough reinvestigation is conducted and that I am provided with full documentation and results in writing pursuant to 15 USC 1681i.

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