Consumer complaint received 2025-09-16 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: FL

Complaint narrative:
I am filing this complaint because my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) are being violated. Multiple accounts are being reported inaccurately, unfairly, and in a manner that has caused me significant financial harm. 

Below are the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Credit : {$1000.00} Status : Late Payment This entry is reported with inconsistent payment history. I dispute the accuracy of the reported late payments and demand verification with complete payment records. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Credit : {$300.00} Status : Charge Off This account is inaccurately reported and lacks proper validation. A charge-off of such a small account without substantiated records suggests reporting abuse. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$250.00} Status : Collection I have never received validation or itemization of this alleged debt. Reporting without validation is a direct FDCPA violation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$690.00} Status : Collection This date is a future reporting date ( XXXX ), which is factually impossible and an egregious violation of FCRA 605. This must be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$2300.00} Status : Collection This account remains on file with conflicting balance information and has exceeded reasonable reporting standards. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$470.00} Status : Charge Off Reported without providing accurate charge-off details, including balance history and accounting records. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$21000.00} Status : Charge Off This tradeline contains multiple discrepancies, including balance reporting that does not align with payment records. I demand full validation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$630.00} Status : Charge Off Same issue : incomplete and inaccurate reporting. 

Recent Hard Inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are reported as future inquiries ( XXXX ) which is impossible, fraudulent, and a severe violation of FCRA 607 ( b ).

Violations & Harm Reporting future dates is a clear indicator of false and unreliable reporting. 

Several accounts are being reported without proper validation or documentation, which violates FDCPA and FCRA requirements. 

The negative, unverifiable, and inaccurate information has severely impacted my creditworthiness, ability to obtain housing, auto financing, and fair interest rates. 

Requested Resolution Immediate investigation of all the accounts listed above. 

Removal of all unverifiable, inaccurate, and future-dated accounts and inquiries. 

Written confirmation of the results of the investigation, including proof of validation for any account that remains. 

Corrective action against the furnishers and credit bureaus for negligent and harmful reporting.

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