Consumer complaint received 2025-11-14 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: MI

Complaint narrative:
I am filing this complaint because TransUnion is reporting multiple late payments, collections, and charge-offs across several accounts, and NOT ONE of these items has been verified according to the FCRA, FDCPA, or Metro-2 standards . I have disputed all of these accounts multiple times. The first dispute was sent over 40 days ago, and the most recent dispute was sent over 30 days ago, both through TransUnion AND directly to the furnishers. I have not received one ounce of verification from TransUnion or from a single company reporting these negative items. 
Instead of providing verification, TransUnion placed a fraud alert on my report without authorization, asked me whether someone is working on my credit, and treated my disputes like identity theft claims when I never filed anything related to identity theft. I am requesting that all unauthorized fraud alerts be removed immediately. 
TransUnion, you keep marking everything as verified, but you have provided zero documents, zero proof, zero payment history, zero billing statements, zero ownership records, and zero delinquency timelines. Under the law, you can not legally call ANYTHING verified unless you actually reviewed the original documentation. This is exactly why TransUnion has been sued repeatedly because you mark items verified without proof. 
Below are the specific accounts you are reporting illegally : LATE PAYMENTS ( NO VERIFICATION ) 1. XXXX XXXX XXXX  Late Payment {$0.00} You reported a late payment with a {$0.00} balance and NO payment history. 
Verification of a late payment under FCRA + Metro-2 requires : full payment history, actual billing statements, proof of delinquency, and 30/60/90/120-day sequence.

You provided nothing. 
2. XXXX XXXX XXXX XXXX  Late Payment {$33000.00} A late payment is considered hearsay unless you can show the original creditors bank statements, proof of payment receipt, and the chronological delinquency timeline. 
You provided nothing just a verified status with no proof. 
3. XXXX XXXX Late Payment {$0.00} A {$0.00} late payment with no dates, no payment history, and no validation is inaccurate reporting and a violation of FCRA XXXX ( b ). 
COLLECTION ACCOUNTS 4. XXXX XXXX XXXX XXXXXXXX {$0.00} 5. XXXX XXXX / XXXX XXXX XXXX Collection {$440.00} 6. XXXX XXXX  Collection {$0.00} 7. XXXX XXXX XXXX XXXX XXXX XXXX Collection {$0.00} Under the FDCPA, ALL collection accounts must be validated with : the original contract, itemized charges, proof of default, chain of assignment / ownership, and complete payment history. 
NONE of these companies nor TransUnion have provided ANY of the required documentation. 
You can not legally report, verify, or continue to furnish a collection account that has not been validated. 
CHARGE-OFF ACCOUNTS ( REPORTED INCORRECTLY, NO DOCUMENTATION ) 8. XXXX  XXXX XXXX Charge-off {$0.00} 9. XXXX XXXX Charge-off {$140.00} 10. XXXX XXXX XXXX Charge-off {$1800.00} Since TransUnion likes to pretend it doesnt know, here is what legal verification of a charge-off requires under FCRA 611, 623, and Metro-2 : To report a charge-off, you must have : the original signed agreement, full payment history, the exact date of delinquency, charge-off calculations, itemized accounting, and proof the creditor followed its internal charge-off policy. 
You have provided NONE of these documents for ANY charge-off. 
Marking these as verified without evidence is illegal.

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