Consumer complaint received 2025-10-31 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:
I am submitting this formal complaint under the authority of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, regarding multiple inaccurate, incomplete, and unverified items that are currently being reported by credit bureaus. These items are severely damaging my credit profile and appear to violate my rights under the FCRA, including Sections 1681e ( b ) ( failure to maintain maximum possible accuracy ) and 1681i ( failure to reinvestigate disputed information ). 

Each account listed below contains serious reporting errors, either due to unverifiable charge-offs, false late payment reporting, or outdated bankruptcy information. I am requesting that the CFPB investigate these violations and ensure the data furnishers and credit bureaus comply with federal law. 

1. XXXX  Account # XXXX * High Balance : {$13000.00} | Date Opened : XX/XX/XXXX | Status : Charge-Off This account is being reported as a charge-off. I have no knowledge or record of this account. The furnisher has failed to provide any proof of my authorization or original signed contract, making the entry unverifiable and misleading. I request the deletion of this account from all credit reports. 

XXXX. XXXX XXXX XXXX XXXX Account # XXXX * High Balance : {$360000.00} | Date Opened : XX/XX/XXXX | Status : Late Payment This account is reporting false late payments. I have never missed or been late on any payments with this creditor. The reported delinquencies are inaccurate and damaging. Under the FCRA, I demand that this information be corrected immediately to reflect a perfect payment history. 

XXXXXXXX XXXX XXXX XXXX Account # XXXX High Balance : {$670.00} | Date Opened : XX/XX/XXXX | Status : Charge-Off I have no knowledge of this account. The creditor has failed to validate its legitimacy or provide proof of the alleged debt. This entry should be deleted entirely as it appears to be a case of mistaken identity or inaccurate reporting. 

XXXX. XXXX  Account # XXXX * High Balance : {$380.00} | Date Opened : XX/XX/XXXX | Status : Late Payment This account is showing an incorrect late payment history. I have never made a late payment with this creditor, and I am requesting immediate correction of the inaccurate payment history as required under FCRA XXXX. 

XXXX. XXXX Account # XXXX High Balance : {$270.00} | Date Opened : XX/XX/XXXX | Status : Late Payment This is another instance of false late payment reporting. I have maintained timely payments at all times. The record must be updated to show an on-time payment history and verified documentation must be provided if the creditor continues to report this status. 

XXXX. XXXX Account # XXXX High Balance : {$990.00} | Date Opened : XX/XX/XXXX | Status : Late Payment This late payment status is inaccurate and misleading. I have never defaulted on this account. The creditor must correct this reporting immediately and provide proof of any claimed delinquency. 

7. Chapter 13 Bankruptcy Reference # XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX ) This bankruptcy entry is either outdated or inaccurately associated with me. I request a full verification of court records and supporting documents. If the bureaus or furnishers can not verify this with certified court documentation, it must be deleted immediately. 

8. XXXX XXXX XXXX dated XX/XX/XXXX This inquiry was made without my authorization. It represents a clear violation of my privacy rights under the FCRA. I demand that this inquiry be removed immediately from my credit file. 

Conclusion These inaccuracies constitute willful and negligent violations of my rights under the FCRA. I have already disputed these items directly with the credit bureaus, but they have failed to properly verify or correct them. I am now seeking the CFPBs intervention to ensure full compliance with federal law and the immediate deletion or correction of these items. 

I respectfully request that the CFPB investigate these matters and require each data furnisher and credit bureau to provide documentation proving the accuracy of the reported information or to permanently remove these items. 

Thank you for your attention and assistance in ensuring that my consumer rights are protected.

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