Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
To Whom It May Concern, I am formally filing a dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate, incomplete, and unverifiable information on my credit report. The following items are listed with issues, applicable laws, and a detailed explanation. I request immediate reinvestigation and deletion where verification can not be substantiated in writing Account : XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance owed : {$180.00} Status : Charge-off * * Law issue : FCRA Section 607 ( b ), 609 ( a ), 611 Story : This account is reported as a charge-off but I never received any statement, notice, or validation. The small balance should have been resolved without charge-off status. I request written proof or removal. 

Account : XXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance owed : {$1900.00} Status : Charge-off * * Law issue : FCRA Section 607 ( b ), 611, FDCPA 809 ( b ) Story : This charge-off was reported without notice or validation. I did not receive a billing statement or letter from XXXX XXXX and request proof or deletion. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance owed : {$350.00} Status : Late payment * * Law issue : FCRA Section 607 ( b ), 609 ( a ), 611 Story : I dispute the late payment status. I never received proper billing or any notice of late payment. This entry is harmful and misleading and should be removed. 

Account : XXXX XXXX XXXXXXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance owed : {$0.00} Status : Late payment * * Law issue : FCRA Section 609 ( a ), 611 Story : This account has a {$0.00} balance but still shows a late payment. I did not receive a notice and request proper documentation or deletion. 

Account : XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance owed : {$0.00} Status : Late payment * * Law issue : FCRA Section 609 ( a ), 611 Story : This entry is inaccurate. The account was never late and no late notice was sent. This should be corrected or deleted. 

Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance owed : {$0.00} Status : Charge-off * * Law issue : FCRA Section 607 ( b ), 609 ( a ), 611 Story : I do not recognize this account and never had a relationship with XXXX. I believe this is incorrect or fraudulent. Please investigate and remove. 

Hard inquiries each includes law, issue, and story under FCRA Section 604 Inquiry : XXXX XX/XX/XXXX Law issue : FCRA Section 604 ( a ) ( 3 ) Issue : I did not authorize this inquiry and never applied for any credit with XXXX XXXX : This inquiry is unauthorized and was made without permissible purpose. I demand it be deleted immediately as it is damaging and violates the FCRA Inquiry : XXXX XXXX XXXXXX/XX/XXXX Law issue : FCRA Section 604 ( a ) ( 3 ) Issue : Two inquiries made on the same day with no application from me Story : These duplicate inquiries are inaccurate and unauthorized. I request they be removed Conclusion I request your agency compel the credit reporting bureaus to perform a full reinvestigation into each of these items within 30 days per FCRA 611. If any of these items can not be verified with full documentation, they must be deleted from my credit file permanently. I have the right to accurate, fair, and substantiated reporting, and I demand compliance with all applicable federal 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