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 submitting this complaint regarding inaccurate, incomplete, and unverified information being reported on my consumer credit report. Despite prior disputes, the credit reporting agencies and furnishers have failed to correct or remove the errors as required under federal law. This complaint is submitted pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act where applicable. 
DISPUTED ACCOUNTS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3900.00} Issue : Late Payment Reporting Dispute Statement : This account is reporting late payments that are inaccurate. I have no record of any late payments associated with this account. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are required to report accurate information only. If late payments can not be verified with proper documentation, the payment history must be corrected immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Late Payment Reporting Dispute Statement : This account shows late payment information despite a XXXX balance. Reporting negative payment history without factual support violates the accuracy and completeness requirements of the FCRA. I am requesting correction of the payment history to reflect accurate information only. 
DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Late Payment Reporting Dispute Statement : This account is duplicated on my credit report and reports late payments inaccurately. Duplicate and inaccurate reporting violates 15 U.S.C. 1681c and 1681e ( b ). I am requesting removal of the duplicate entry and correction of any inaccurate payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Late Payment Reporting Dispute Statement : This account reflects late payments that do not align with my records. Any unverifiable late payment reporting must be corrected or removed pursuant to 15 U.S.C. 1681i ( a ). 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$170.00} Issue : Collection Account Dispute Statement : I have no knowledge of this account and do not recognize this alleged debt. Under the FCRA and FDCPA, unverified collection accounts must not be reported. If full verification can not be produced, this account must be deleted from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Issue : Collection Account Dispute Statement : This collection account is being reported without proper validation. Reporting unverified collection data violates federal law. I am requesting immediate investigation and deletion if verification can not be established. 
DISPUTED ITEMS UNAUTHORIZED INQUIRIES XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Inquiry Dispute Statement : I did not authorize this inquiry. Under 15 U.S.C. 1681b, inquiries must have a permissible purpose. This inquiry should be removed immediately. 
XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Inquiry Dispute Statement : I did not provide authorization for this credit pull. Please delete this inquiry due to lack of permissible purpose. 
XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Inquiry Dispute Statement : This inquiry was not authorized by me and must be removed. 
REQUEST FOR CFPB ASSISTANCE I am requesting CFPB assistance to ensure that the credit reporting agencies and furnishers comply with federal law. Any information that can not be verified must be corrected or deleted immediately. Continued reporting of inaccurate or unverified data reflects a failure to conduct a reasonable investigation as required by 15 U.S.C. 1681i. 
Thank you for your assistance in enforcing compliance with consumer protection laws.

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