Consumer complaint received 2025-11-20 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: MS

Complaint narrative:
To Whom It May Concern, This complaint is being filed against inaccurate and unverifiable information being reported by the credit bureaus and furnishers listed below. Despite multiple disputes and requests for proper reinvestigation, these items remain inaccurately reported, in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am requesting the Consumer Financial Protection Bureau to conduct a thorough investigation into these violations and ensure immediate deletion and correction of all disputed items. 

XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off XXXX XXXX No contract or verification provided. Reporting {$0.00} as charge off is inaccurate and misleading under FCRA 607 ( B ). Delete immediately per 611 ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off XXXX XXXX Account unverified after multiple disputes. XXXX balance but charge-off status violates FCRA 607 ( B ). Remove immediately for noncompliance. 

XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off XXXX XXXX  No original documentation produced. Reporting false charge-off with no balance breaches XXXX ( B ) and XXXX ( B ). Must be deleted. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off XXXX XXXX Inaccurate and unverifiable entry. Bureau failed to verify with creditor as required by 611 ( A ). Delete immediately for FCRA violation. 

XXXX  XXXX Bankruptcy XXXX Court : U.S. Bankruptcy Court Bankruptcy No certified court record provided. Reporting unverifiable public record violates 607 ( B ). Must be removed under 611 ( A ) ( 5 ) ( A ). 

XXXX XX/XX/XXXX Unauthorized inquiry with no permissible purpose. Violates 604 ( a ) ( 2 ). Delete immediately to correct report accuracy. 

XXXX XXXX XXXXXX/XX/XXXX Unauthorized access without consent. Violates 604 ( a ) ( 3 ) ( A ) and 607 ( A ). Remove immediately for compliance. 

XXXX XXXX XXXXXX/XX/XXXX No consent or credit request made. Violates 604 ( a ) ( 2 ). Delete this unauthorized inquiry. 

XXXX XX/XX/XXXX Unauthorized inquiry with no record of application. Violates 604 ( a ) ( 3 ) ( A ). Remove immediately. 

XXXX XX/XX/XXXX Repeated unauthorized access. Violates 604 ( a ) ( 2 ) and 607 ( A ). Must be deleted at once. 

XXXX XXXX XX/XX/XXXX No credit authorization granted. Violates 604 ( a ) ( 2 ). Delete immediately. 

XXXX XXXX XXXXXX/XX/XXXX Unauthorized pull without consumer consent. Violates 604 ( a ) ( 3 ) ( A ). Remove this inquiry. 

Each of the above items represents a clear breach of FCRA Sections 602, 604, 607, 611, and 623, as well as FDCPA Section 809 ( b ). I am requesting immediate intervention by the CFPB to enforce compliance, hold the furnishers accountable, and ensure that my credit report reflects only accurate, verified, and legally reportable information. The continuous reporting of inaccurate accounts and inquiries constitutes willful negligence, entitling me to remedies under FCRA Section 616. I respectfully request deletion and confirmation of all corrected data from all bureaus involved.

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