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:
I am submitting this complaint to formally report ongoing violations of the Fair Credit Reporting Act and Fair Debt Collection Practices Act related to inaccurate, unverified, and misleading information being reported on my consumer credit file. I have disputed these accounts multiple times directly with the credit reporting agencies and furnishers, and this is now my third documented attempt to resolve these issues. Despite my prior disputes, the inaccurate information remains. I have not submitted an FTC identity theft report at this time, and this CFPB complaint is necessary due to continued noncompliance. Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must ensure maximum possible accuracy, and under 15 U.S.C. 1681i ( a ), they must conduct a reasonable reinvestigation when information is disputed. Furnishers and collection agencies are also required to comply with 15 U.S.C. 1681s-2 and the FDCPA, including 15 U.S.C. 1692e and 1692g. The continued reporting of the following accounts without proper verification constitutes ongoing violations of federal law. 
XXXX XXXX account number XXXX high balance {$4000.00} date opened XX/XX/XXXX reported as chargeoff this account is not recognized by me and no contract, billing statement, or itemized accounting has ever been provided to establish liability this reporting is unverified and must be deleted or fully corrected if the furnisher can provide competent evidence as required by law. 
XXXX XXXX account number XXXX high balance {$5600.00} date opened XX/XX/XXXX reported as chargeoff this account is also unfamiliar to me and has not been validated despite prior disputes continued reporting without proof violates FCRA requirements and demands deletion or lawful correction. 
XXXX XXXX  account number XXXX high balance {$26000.00} date opened XX/XX/XXXX reported with late payments this late payment history is inaccurate I did not make late payments as reported and the payment history is false under the FCRA this item must be corrected to reflect accurate payment history only and not deleted solely for dispute. 
XXXX account number XXXX high balance {$600.00} date opened XX/XX/XXXX reported with late payments this late payment reporting is incorrect and does not reflect my actual payment behavior I am disputing the accuracy of the payment history and requesting correction of the late payment status under 15 U.S.C. 1681e ( b ). 
XXXX  account number XXXX high balance {$15000.00} date opened XX/XX/XXXX reported as chargeoff I have no knowledge of this account and no validation has been provided reporting a chargeoff without verification is unlawful and this account must be deleted or corrected after proper investigation. 
XXXX XXXX  account number XXXX high balance {$16000.00} date opened XX/XX/XXXX reported with late payments the late payment designation is inaccurate and unsupported I am requesting correction of the payment history to accurately reflect timely payments. 
XXXX  account number XXXX high balance {$29000.00} date opened XX/XX/XXXX reported with late payments this is a separate reporting of the same creditor and again the late payment history is inaccurate duplicated and misleading and must be corrected immediately to comply with FCRA accuracy standards. 
XXXX  account number XXXX high balance {$5600.00} date opened XX/XX/XXXX reported as a collection I do not recognize this debt and have never received lawful validation reporting a collection without validation violates the FDCPA and FCRA and requires deletion. 
XXXX XXXX XXXX account number XXXX high balance {$1600.00} date opened XX/XX/XXXX reported as a collection this account is not known to me and no proof of obligation has been supplied continued reporting without investigation is unlawful and must result in deletion. 
I am requesting that the CFPB require the credit reporting agencies and furnishers involved to conduct a lawful reinvestigation, cease reporting unverifiable information, correct inaccurate late payment histories, and delete any accounts that can not be fully validated with competent evidence. I am also requesting written confirmation of compliance and updated credit reports reflecting only accurate and verified information as required by law.

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