Consumer complaint received 2025-11-03 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 submitting this complaint because multiple inaccurate and unverified accounts are being reported on my credit report, which is causing significant harm to my creditworthiness and financial reputation. I have already disputed these items with the credit reporting agencies and the respective furnishers, but the inaccuracies remain unresolved in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Below is a detailed list of the disputed items currently appearing on my credit report : XXXX. Late Payment Account ( Inaccurate Reporting ) XXXX CARD XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$2300.00} This account is reporting late payments, which is completely inaccurate. I have never made any late payment on this account. I am requesting an immediate correction of this error and the restoration of accurate payment history. 

2. Charge-Off and Collection Accounts ( No Knowledge of These Accounts ) The following accounts are being reported as charge-offs or collections, yet I have no knowledge or record of ever opening, authorizing, or owing any debt to these creditors. These entries appear fraudulent, unverifiable, and inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$500.00} Charge Off XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$960.00} Charge Off XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$730.00} Charge Off XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$330.00} Collection XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1600.00} Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1500.00} Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Collection XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$2200.00} Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$970.00} Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1000.00} Collection XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$45000.00} Charge Off XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$22000.00} Charge Off XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$2200.00} Charge Off XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1000.00} Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$310.00} Charge Off XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$960.00} Charge Off XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$110.00} Charge Off 3. Unverified Inquiries The following hard inquiries appear on my credit report without my authorization or consent. These unauthorized inquiries are also violations of the FCRA. 

DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX I am requesting a full investigation and immediate removal of these unauthorized inquiries from my credit report. 

Requested Action : I respectfully request that the CFPB : Investigate the above accounts and inquiries for FCRA compliance.

Require the credit reporting agencies and furnishers to delete all unverifiable charge-off and collection accounts. 

Require correction of the false late payment reporting on the XXXX XXXX account. 

Ensure that all unauthorized hard inquiries are permanently removed from my file. 

These inaccuracies have caused damage to my credit reputation and have resulted in emotional distress, loss of credit opportunities, and denial of fair access to credit. I demand an immediate investigation and resolution under my rights granted by the Fair Credit Reporting Act. 

Thank you for your time and attention to this serious matter.

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