Consumer complaint received 2025-05-05 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: CA

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX \nDOB: XXXX XXXXnSS #: XXXXn\n\nTransunion\nP.O. Box XXXX  PA XXXXn\n\nSubject: Escalation of Unresolved Credit Disputes via CFPB  Formal Complaint\nDear TransUnion,\nI am writing to formally escalate a credit dispute concerning inaccurate and unverifiable information reporting on my TransUnion credit file. Despite multiple previous attempts to resolve these issues directly with your bureau, I have received no meaningful response or resolution. As a result, I am now filing a complaint with the Consumer Financial Protection Bureau (CFPB) regarding the continued inclusion of these erroneous accounts.\nBelow are the items in question:\n________________________________________\nLate Payments\n\tXXXX #XXXXThis account is reporting late payments without any proper validation. Under the Fair Credit Reporting Act (FCRA) 15 U.S.C.  1681i, you are required to conduct a reasonable reinvestigation when a consumer disputes an item. I have received no proof of investigation, no account-level documentation, and no evidence validating these delinquencies.\n________________________________________Charge Offs\n\XXXX XXXX XXXX XXXXn\tXXXX XXXXnThese accounts are reporting as charge-offs. However, they are being reported without proper verification or notice. This violates FCRA  623(b), which mandates accurate and verifiable reporting. I challenge the accuracy and legality of these entries. Please provide the original account documents including payment history, contracts, and the written charge-off explanation.\n________________________________________\nCollections\n\XXXX XXXX XXXX XXXX XXXX XXXX #XXXX XXXX XXXX XXXX\nThese third-party collection accounts appear to be duplicative, unverifiable, and potentially inaccurate. As per the FDCPA  809(b) and FCRA  611, you are required to verify the accuracy and legitimacy of any collection being reported. Please provide chain-of-custody documentation and the original creditor agreement to substantiate these debts.\n________________________________________\nHard Inquiries\n\tXXXX XXXX XXXX XXXX XXXX - XXXX\n\tXXXX XXXX XXXX XXXX XXXX XXXX XXXXnThese inquiries were made without my knowledge, authorization, or permissible purpose under FCRA  604(a). Please delete these inquiries immediately and provide me with records of who accessed my report and on what legal basis.\n________________________________________\nRequested Resolution:\nI demand that you perform a full reinvestigation into each of the accounts and inquiries listed above. If the furnishers cannot produce full verificationincluding original signed contracts, complete payment histories, or written authorization for the inquiriesthen the disputed items must be deleted from my credit report as required by FCRA  611(a)(5).\nPlease consider this letter as an official complaint to be included in your response to the Consumer Financial Protection Bureau (CFPB). You have 30 days to comply and respond with written results, as mandated by federal law.\nSincerely,\XXXX XXXX

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