Consumer complaint received 2025-12-27 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:
I am submitting this complaint regarding inaccurate, incomplete, and misleading credit reporting by multiple furnishers in violation of the Fair Credit Reporting Act 15 U.S.C. 1681 et seq. I previously disputed these items directly with the credit reporting agencies and furnishers, yet the inaccuracies remain unresolved, demonstrating a failure to conduct a reasonable investigation as required under FCRA 1681i and 1681s-2 ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | High Balance : {$4800.00} | Status : Charge Off This account is reporting a charge-off without any documented proof validating the accuracy of the balance or the charge-off status. I dispute this account in full. No evidence has been provided showing a lawful charge-off, complete payment history, or contractual obligation. Continued reporting without verification violates the FCRA and requires deletion. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | High Balance : {$7000.00} | Status : Charge Off This charge-off is being reported without proper verification from the original creditor. I dispute the accuracy of the balance, the charge-off status, and the reporting itself. Failure to validate this information with competent evidence requires immediate removal under federal law. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$3000.00} | Status : Charge Off This charge-off is inaccurate and unverified. I dispute the account entirely due to lack of documented proof supporting the charge-off or balance. If verification can not be produced, this item must be deleted. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$2500.00} | Status : Charge Off Duplicate charge-off reporting under the same creditor indicates improper and inaccurate reporting practices. I dispute this account in full. Any account that can not be clearly verified must be removed from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | High Balance : {$400.00} | Status : Charge Off This account is reporting a charge-off without complete verification or supporting documentation. I dispute the legitimacy of this reporting. Continued inclusion without validation is a violation of federal law and requires deletion. 
XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$15000.00} | Status : Charge Off This charge-off is reported without verification of the balance or legal basis. I dispute the ownership, balance accuracy, and charge-off status. Failure to validate this account requires immediate removal. 
XXXXXXXX XXXX XXXX Reference XXXX Date Filed/Reported : XX/XX/XXXX | Status : Bankruptcy I dispute the accuracy and reporting of this bankruptcy entry. No documentation has been provided verifying correct reporting, inclusion, or association with my credit file. Any public record that can not be verified with certified documentation must be deleted under the FCRA. 
XXXX XXXX  | Inquiry Date : XX/XX/XXXX Dispute Reason : Unauthorized inquiry. 
XXXX XXXX  | Inquiry Date : XX/XX/XXXX Dispute Reason : Duplicate inquiry on same date. Inaccurate reporting. 
XXXX XXXX XXXX | Inquiry Date : XX/XX/XXXX Dispute Reason : Unauthorized inquiry. No permissible purpose. 
XXXX / XXXX | Inquiry Date : XX/XX/XXXX Dispute Reason : Duplicate and unauthorized inquiry. 
XXXX XXXX  | Inquiry Date : XX/XX/XXXX Dispute Reason : Inquiry was not authorized by me. 
Despite prior disputes, these inaccuracies remain on my credit report, demonstrating noncompliance with federal law. I am requesting CFPB assistance to require the furnishers and credit reporting agencies to conduct proper investigations, correct inaccurate payment histories, remove duplicate and unverified tradelines, and ensure my credit file reflects only complete and accurate 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