Consumer complaint received 2025-12-08 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 Whom It May Concern I am filing this complaint because several accounts on my credit report are being reported inaccurately and unlawfully. I have no knowledge of these charge-offs or collection accounts, and the furnishers have failed to provide any valid documentation proving that these accounts belong to me. These negative items are harming my credit profile and violating the FCRA, including but not limited to XXXX, XXXX, and XXXX. 
XX/XX/XXXXHigh Balance : {$2700.00} Date Opened : XX/XX/XXXX Charge-Off This account is not mine. No contract, no signature, and no proof has been provided. Reporting is inaccurate and damaging. 
XXXX XXXX XXXXXX/XX/XXXXHigh Balance : {$1300.00} Date Opened : XX/XX/XXXX Charge-Off I do not recognize this account. The furnisher has failed to validate the debt or show any proof linking it to me. 
XXXX XXXX XXXXXX/XX/XXXX High Balance : {$680.00} Date Opened : XX/XX/XXXX Charge-Off This is not my account. No signed agreement or original documents have been produced to verify ownership. 
XXXX XXXX XXXXXX/XX/XXXXHigh Balance : {$1800.00} Date Opened : XX/XX/XXXX Charge-Off I have no knowledge of this account. The reporting is inaccurate and unsupported by any verification. 
XX/XX/XXXXXXXXXX/XX/XXXX High Balance : {$420.00} Date Opened : XX/XX/XXXX Charge-Off I do not recognize this account. No validation or proof has been provided by the furnisher. 
XXXX XXXXXX/XX/XXXX High Balance : {$680.00} Date Opened : XX/XX/XXXX Charge-Off This account is not mine. No proper verification has been issued. 
XXXXXX/XX/XXXXXXXXXX/XX/XXXXHigh Balance : {$1300.00} Date Opened : XX/XX/XXXX Collection I dispute this account in full. XXXX has not provided any proof of ownership or original documents. 
XXXXXX/XX/XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX Collection I have no knowledge of this account. Reporting is inaccurate and unverified. 
XXXXXX/XX/XXXX High Balance : {$420.00} Date Opened : XX/XX/XXXX Collection I dispute this item. No contract or validation has been provided. 
XXXX XX/XX/XXXXHigh Balance : {$850.00} Date Opened : XX/XX/XXXX Collection I do not recognize this account. No proper verification has been sent to me. 
XXXXXX/XX/XXXXHigh Balance : {$680.00} Date Opened : XX/XX/XXXX Collection I dispute this account. Reporting is unverified and inaccurate. 
XXXXXX/XX/XXXXHigh Balance : {$2300.00} Date Opened : XX/XX/XXXX Collection This account is being reported without any supporting documentation. I do not recognize it. 
XXXX XXXXXX/XX/XXXXHigh Balance : {$120.00} Date Opened : XX/XX/XXXX Collection I do not know this account. XXXX has failed to validate or provide proof of ownership. 
Because these furnishers can not verify these accounts and continue reporting them, they are in violation of FCRA requirements. I request the CFPB to investigate and require the furnishers and credit bureaus to remove these unverified and inaccurate accounts from my credit report immediately. 
Thank you for your assistance.

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