Consumer complaint received 2025-08-12 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:
I have disputed multiple incorrect items on my credit report online and mailed in letters that have not been responded to. As you see below this letter to Equifax was printed and mailed out this on XX/XX/XXXX and I still have not received a proper response or investigation into my disputes with Equifax, Experian, or Transunion and it has been much longer than the 30 days allowed for a response. Transunion and Experian should also be able to see that I have disputed online and information comes back as verified as accurate with no proof of actual investigation or how they came to the conclusion that the items I have disputed are accurate. 








Friday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX, TX, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Equifax Information Services, XXXX XXXX. XXXX XXXXXXXX XXXX, GA XXXX Dear Equifax, I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report XXXX 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account came back as verified as accurate and I was not provided any proof owe this debt or method of verification. Please show my signature with original documentation showing and explanation of steps taken to verify. 
Please remove this inaccurate information from my credit report. 

XXXX XXXXXXXX XXXX XXXXXXXX Please respond with documentation and proof that I was ever late on this account and verified as accurate in my previous dispute. 
Please remove this inaccurate information from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Please send documentation proving how you verified this late payment reporting on my credit report or remove it from my report. 
Please remove this inaccurate information from my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please send documentation and proof of how you verified this late payment as accurate on my account or please delete it from my report. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXXXXXX The payment history listed for this account on my credit report are wrong. 
Please provide statements and records of all payments made and missed since I opened this account or delete the charge-off from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX

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