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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Transunion XXXX. XXXX XXXX XXXX PA XXXX Subject : Formal Dispute of Inaccurate Items Round XXXX XXXX XXXX Dear TransUnion XXXX Department, I am writing to formally dispute the following inaccurate and/or unverifiable items on my credit report, as allowed under the Fair Credit Reporting Act ( FCRA ), Section XXXX [ XXXX U.S.C. XXXX ]. I have previously attempted to address these issues, but they remain unresolved. I now request that a full reinvestigation be conducted. 
________________________________________ Accounts with XXXX or XXXX XXXX : 1. XXXX XXXX Acct # : XXXX XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXX o High Balance : {$610.00} o Issue : Repeated late payments reported inaccurately. I dispute the accuracy of the payment history. 
2. XXXX XXXX Acct # : XXXX * * * * o Date Opened : XX/XX/XXXX o High Balance : {$1000.00} o Issue : Reported late payments are not supported by proper documentation. 
3. XXXX XXXX XXXX Acct # : XXXX * * * * o Date Opened : XX/XX/XXXX o High Balance : {$3700.00} o Issue : Payment history contains inaccuracies that I have disputed before. 
4. XXXX XXXX Acct # : XXXX * * * * o Date Opened : XX/XX/XXXX o High Balance : {$100.00} o Issue : Charged-off account reported with incorrect balance and status. 
5. XXXX XXXX Acct # : XXXX * * * * o Date Opened : XX/XX/XXXX o High Balance : {$310.00} o Issue : Charge-off status is inaccurate or outdated. No supporting validation received. 
6. XXXX o Acct # : XXXX * * * * o Date Opened : XX/XX/XXXX o High Balance : {$1800.00} o Issue : Disputing the legitimacy of the charge-off status. 
7. XXXX XXXX ( Original Creditor : Rise Credit of South Carolina ) o Acct # : XXXX * * * * o Date Opened : XX/XX/XXXX o High Balance : {$2300.00} o Issue : Collection account inaccurately reported. No validation from debt collector. 
8. XXXX ( Original Creditor : XXXX XXXX Co XXXX SC ) o Acct # : XXXX * * * * o Date Opened : XX/XX/XXXX o High Balance : {$120.00} o Issue : Reporting by third-party collector not authorized or validated. 
9. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) o Acct # : XXXX * * * * o Date Opened : XX/XX/XXXX o High Balance : {$15000.00} o Issue : Debt validation not provided. XXXX violates FCRA and FDCPA. 
10. XXXX ( Original Creditor : XXXX XXXX ) o Acct # : XXXX XXXX XXXX  o Date Opened : XX/XX/XXXX o High Balance : {$630.00} o Issue : Disputing accuracy of debt and XXXX right to report. 
11. XXXX XXXX  o Acct # : XXXX XXXX XXXX XXXX XXXX  o Date Opened : XX/XX/XXXX o High Balance : {$1000.00} o Issue : Charge-off appears outdated ; no updated activity or validation. 
12. XXXX FCU o Acct # : XXXX * * * * o Date Opened : XX/XX/XXXX o High Balance : {$1000.00} o Issue : Charged-off account lacks substantiated documentation. 
13. XXXX FCU o Acct # : XXXX * * * * o Date Opened : XX/XX/XXXX o High Balance : {$3000.00} o Issue : Disputing charge-off status and balance validity. 
14. XXXX XXXX Acct # : XXXX * * * * o Date Opened : XX/XX/XXXX o High Balance : {$490.00} o Issue : Payment history is misreported or outdated. 
________________________________________ Unauthorized or Questionable Hard Inquiries : The following inquiries were made without my explicit written consent or are no longer relevant under FCRA XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please delete these inquiries if they can not be verified with proper permissible purpose documentation. 
________________________________________ Fair Resolution Requested : I respectfully request that TransUnion conduct a full reinvestigation into the items listed above. If the accounts can not be verified with original signed documentation and accurate records, they must be permanently deleted from my credit report as required by law. 
Please provide me with a full investigation summary and a free updated copy of my credit report reflecting the results. 
Sincerely, 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