Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Ct XXXX, OH XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX This letter serves as a formal complaint and dispute submission to the Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX inaccurate, incomplete, and unverifiable information reported to TransUnion as reflected in my credit report dated XX/XX/XXXX. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) : Section 611 [ 15 U.S.C. 1681i ] requires consumer reporting agencies to conduct a reinvestigation of any disputed item within 30 days. If the information can not be verified, it must be deleted.

Section 609 [ 15 U.S.C. 1681g ] entitles me to receive complete disclosure of the information in my file and the sources thereof.

Section 602 [ 15 U.S.C. 1681 ] mandates fair and accurate credit reporting as a matter of consumer protection. 


The following items on my TransUnion report violate these provisions : -- - CHARGE-OFF ACCOUNTS : XXXX. XXXX Account # XXXX * * * * Status : XXXX XXXX : No payment validation, inconsistent data, and unverified balance XXXX. XXXX XXXX XXXX Account # XXXX * * * * Status : Voluntary Surrender Issue : Unverified balance and status, no proof of original agreement XXXX. XXXX Bank Account # XXXX * * * * Status : XXXX XXXX : XXXX exceeds credit limit, possible interest/fee error XXXX. XXXX Card Services Account # XXXX * * * * Status : Charge-Off Issue : Over-limit balance, unverifiable payment history XXXX. XXXX XXXX Account XXXX XXXX * * * * Status : XXXX XXXX : XXXX exceeds credit limit, unverifiable charge-off XXXX. XXXX XXXX XXXX ( XXXX entries ) Status : Charge-Off Issue : Duplicate reporting, conflicting data COLLECTION ACCOUNTS : XXXX. XXXX XXXX XXXX Accounts # XXXX * * * * & # XXXX * * * * Original Creditor : XXXX XXXX Bank XXXX : Duplicate reporting, no validation provided XXXX. XXXX XXXX XXXX : # XXXX * * * * ( XXXX ) # XXXX * * * * ( XXXX ) # XXXX * * * * ( Capital XXXX ) # XXXX * * * * ( Synchrony Bank ) Issue : Bundled debt, unverifiable ownership, and lack of original documentation XXXX. XXXX XXXX XXXX Account # XXXX * * * * Original Creditor : Progressive Insurance Issue : No proper documentation, FCRA XXXX XXXX violation XXXX XXXX XXXX XXXX Account XXXX XXXX * * * * Original Creditor : Progressive Insurance Issue : No written notice, unverifiable debt XXXX. XXXX XXXX XXXX Account # XXXX * * * * Original Creditor : T-Mobile Issue : No original contract or validation received NEGATIVE REMARKS : XXXX. XXXX Bank XXXX XXXX XXXX by XXXX XXXX Issue : Misleading ; account closed in good standing. Request removal of remark. 


I respectfully request the CFPB to enforce compliance with the FCRA and ensure these accounts are fully validated by TransUnion or permanently removed. Failure to verify these items within the legally mandated timeframe ( 30 days ) renders them subject to deletion under Section 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