Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am submitting this complaint because multiple inaccurate or unverifiable accounts continue to appear on my credit report, despite a previous dispute and reinvestigation request. The credit reporting agency has either failed to conduct a meaningful reinvestigation or continues to report incomplete, inaccurate, or unvalidated data. 

The following accounts are in dispute : 1. XXXX XXXX Account # XXXXXXXX XXXX XXXX Status : Charge-Off * * This tradeline has not been fully verified for accuracy or reporting compliance. It remains on my credit report without proof of validation, completeness, or conformity to XXXX XXXX standards. I requested its removal due to lack of substantiation. 

2. XXXXXXXX  Multiple Accounts with Late Payments XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts reflect multiple late payments that have not been adequately validated. Despite previous disputes, no supporting documents or correction of errors have been provided. The information should not remain on my credit file without verification under FCRA and XXXX XXXX compliance. 

3. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Status : Late Payment * * Late payment history remains without any validation provided. I requested a reinvestigation, but the data has not been corrected or removed as required by law. 

4. XXXX Account # XXXX Status : Collection This collection account lacks verification and documentation. It was previously disputed and should not remain without full validation. 

5. XXXX Account # XXXX Status : Collection No proper validation was supplied for this collection tradeline. It remains inaccurately reported and requires deletion if not supported by documentation. 

I have included identity verification documents with my previous dispute. Additionally, I explicitly requested that the dispute not be processed via the E-Oscar automated system, but instead manually reviewed by a qualified human agent, as outlined in the 2015 CFPB Consent Order.

To date, there has been no sufficient response, and these accounts remain on my credit report with no indication that a proper reinvestigation took place. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) Section 611 and may also constitute noncompliance with XXXX XXXX reporting standards.

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 explanation