Consumer complaint received 2025-12-27 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: LA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau regarding continued inaccurate and unverifiable reporting on my consumer credit report in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). I previously disputed these accounts directly with the credit reporting agencies and furnishers. Despite my disputes, the inaccurate information remains on my credit report, indicating that a reasonable investigation was not conducted as required under FCRA 1681i and 1681s-2 ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment This account is incorrectly reporting late payments. The information furnished is inaccurate and misleading. I am requesting correction of the late payment history to accurately reflect proper payment status in compliance with FCRA requirements. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment The late payment status being reported is inaccurate. I never had late payments on this account. This is a dispute of inaccurate reporting, not a request for deletion. Please correct the payment history to reflect accurate information as required by law. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$17000.00} Late Payment This account is reporting late payments that are not accurate. The payment history is being misreported. I am disputing the accuracy of the late payment history and requesting correction only, as required under federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment This account is reporting late payments inaccurately. The information furnished is incorrect and must be corrected to reflect accurate payment history in accordance with the FCRA. 
XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1800.00} Collection I have no knowledge of this account. This collection is reporting without proper verification. If the furnisher can not provide competent evidence that this account belongs to me, it must be deleted immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$410.00} Collection This appears to be a duplicate and unverified reporting of the same alleged debt. I have no knowledge of this account. Duplicate and unverifiable reporting violates the FCRA. I am requesting immediate investigation and deletion if verification can not be produced. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$68.00} Collection I do not recognize this account and have no knowledge of any obligation with this company. This account is being reported without proper validation. I am requesting investigation and deletion if it can not be fully verified. 
I am requesting that the CFPB review this matter and require the furnishers and credit reporting agencies to comply with their obligations under the Fair Credit Reporting Act by conducting reasonable investigations and correcting or deleting any information that is inaccurate, incomplete, unverifiable, or duplicated. I am requesting written confirmation of the actions taken to resolve this complaint.

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