Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing this complaint due to the continued reporting of inaccurate, unverifiable, and unauthorized information on my consumer credit report. I have already disputed these items directly, yet they remain reported without proper correction or deletion. This constitutes a failure to comply with the Fair Credit Reporting Act 15 U.S.C. 1681 ( a ) ( 1 ), 1681e ( b ), 1681b, and 1681s-2, which require maximum possible accuracy, lawful reporting, and permissible purpose. 
XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$3300.00} reporting late payments that are inaccurate and do not reflect my actual payment history. I did not make late payments as reported. This tradeline is being reported incorrectly and does not meet the accuracy requirements of the FCRA. I am requesting a correction of the payment history to accurately reflect no late payments. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$1800.00} is also reporting late payments that are inaccurate. The reported delinquency does not match my true payment behavior. Under 15 U.S.C. 1681e ( b ), this account must be corrected to reflect accurate payment history only. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} is reporting late payments despite showing a XXXX balance. This reporting is inconsistent, misleading, and inaccurate. If no valid documentation exists to support these late payments, they must be corrected or removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$0.00} is inaccurately reporting late payments. This account does not reflect correct historical reporting and is harming my credit file through inaccurate data. I am requesting correction of the late payment history in full compliance with the FCRA. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$0.00} is reporting a charge-off. I have no knowledge of this account being charged off as reported. If this information can not be fully verified with complete records proving accuracy, it must be deleted or corrected pursuant to 15 U.S.C. 1681c and 1681e ( b ). 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$13000.00} is reporting as a charge-off. I dispute the accuracy and completeness of this reporting and request a full investigation. Any failure to provide proper verification requires deletion or correction under federal law. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$830.00} is a collection account that I do not recognize as accurately reported. This account lacks proper validation and is being furnished in violation of the FCRA. If accurate verification can not be produced, this account must be deleted. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$410.00} is reporting as a collection account that I dispute entirely. I request full verification of ownership, accuracy, and reporting authority. Absent proper verification, deletion is required. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$410.00} appears to be a duplicate and inconsistent reporting of the same alleged obligation. Duplicate reporting is misleading and violates the FCRA. One or both entries must be corrected or removed immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$640.00} is a collection account that I dispute in its entirety. I have no confirmation that this account is reporting with accurate ownership, balance, or validation. If proper verification can not be produced, deletion is required under 15 U.S.C. 1681e ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$460.00} is reporting as a collection account without sufficient verification. This account is inaccurate and unverifiable as reported and must be removed if lawful documentation can not be provided. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$830.00} continues to report as a collection account despite prior disputes. Continued reporting without correction indicates failure to ensure maximum possible accuracy. If full validation and ownership proof can not be produced, this account must be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1500.00} is a disputed collection account. I challenge the accuracy, balance, and reporting authority of this tradeline. Any failure to properly verify requires immediate removal under the FCRA. 
XXXX XXXX Inquiry dated XX/XX/XXXX is inaccurate and unauthorized. This inquiry violates federal law and must be deleted. 
Despite prior disputes, the credit reporting agencies and furnishers have failed to correct or delete these inaccurate and unauthorized items. I am requesting CFPB intervention to require a lawful reinvestigation and enforcement of compliance. Any item that can not be fully verified with complete and accurate documentation must be deleted or corrected immediately.

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