Consumer complaint received 2026-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX is furnishing a charged-off home improvement loan on my XXXX  credit report ( Account XXXX ) that I do not recognize and did not authorize. 

This account is not mine and has never been validated. 

I have never : opened this account signed any contract authorized any financing received statements or bills received validation or documentation had any lien or mortgage recorded against my property Despite this, XXXX XXXX XXXX has continuously furnished and re-updated this charge-off for approximately two years, repeatedly damaging my credit.

I submitted three prior CFPB disputes requesting investigation and validation of this account. In each instance, the company represented that it would provide documentation and a direct response to me. No response, documentation, or investigation results were ever provided.

This failure is itself a violation of federal law.

Under 15 U.S.C. 1681s-2 ( b ), once a furnisher receives notice of a dispute, it must conduct a reasonable investigation, review relevant information, and report the results. Under 12 C.F.R. 1022.43 ( Regulation V ), furnishers must investigate direct disputes and provide the outcome to the consumer.

Ignoring disputes and failing to provide any investigation results or validation constitutes non-compliance with these statutory duties, independent of whether the debt is valid.

They are continuing to report a debt they can not verify.

Legal violations Furnisher investigation duties FCRA Under 15 U.S.C. 1681s-2 ( b ), once a furnisher receives notice of a dispute, it must conduct a reasonable investigation and must correct or delete information that can not be verified.

A furnisher may not continue reporting an unverified debt.

Federal courts confirm this duty : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX investigation must be reasonable and substantive XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX continued reporting of inaccurate or unverified information violates the FCRA XXXX XXXX XXXX has provided no investigation results and no documentation, yet continues furnishing derogatory information.

Direct dispute duties Regulation V Under 12 C.F.R. 1022.43, furnishers must investigate direct disputes and report results. Ignoring multiple disputes and failing to provide any validation is non-compliance.

Inaccurate secured-loan characterization This account is described as a home improvement loan, which typically requires a recorded lien or perfected security interest. No lien has ever been recorded against my property, further indicating the reporting is unreliable or inaccurate. 

Requested resolution XXXX XXXX XXXX has already been given multiple opportunities to investigate and validate this account and has failed for over two years and through three CFPB complaints.

Further investigation is unnecessary.

Under 15 U.S.C. 1681s-2 ( b ) and 12 C.F.R. 1022.43, if disputed information can not be verified, the furnisher must delete or cease furnishing it. 

Accordingly, I request that CFPB require XXXX XXXX XXXX to : Immediately delete this tradeline from all consumer reporting agencies Cease all furnishing or updating of this account Remove all derogatory history associated with it Provide written confirmation of deletion Continued reporting of an unverified debt constitutes inaccurate furnishing and ongoing harm.

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