Consumer complaint received 2025-12-29 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:
To the Consumer Financial Protection Bureau, I am submitting this complaint regarding inaccurate, unauthorized, and unverified information that continues to appear on my consumer credit report despite prior disputes. These issues involve both collection accounts and credit inquiries that do not comply with the Fair Credit Reporting Act ( FCRA ). 
I have disputed these items directly with the consumer reporting agencies and/or furnishers. However, the inaccurate information remains reported without proper investigation or verification, in violation of 15 U.S.C. 1681i and 1681s-2 ( a ). 
XXXX XXXXXXXX XXXX  Open Date : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Charge Off I have no knowledge of this account as reported. The charge-off status is inaccurate and unsupported by verified documentation. Please conduct a full investigation and delete or correct this account if it can not be properly verified. 
XXXX XXXX XXXX Open Date : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Charge Off This account is disputed in full. I do not recognize this charge-off as accurate. No contractual agreement or billing records have been provided. Please verify or remove this account in compliance with the FCRA. 
XXXX XXXX XXXXXXXX XXXX Open Date : XX/XX/XXXX | Balance Owed : {$970.00} | Status : Charge Off I dispute this charge-off due to lack of verification. I have no knowledge of this account as presented. If verification can not be produced, this account must be deleted. 
XXXX XXXXXXXX XXXX XXXX Open Date : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Charge Off The reporting of this account is inaccurate. The charge-off status is not supported by verifiable records. Please investigate and remove or correct this item immediately. 
XXXX XXXX XXXXXXXX XXXX Open Date : XX/XX/XXXX | Balance Owed : {$720.00} | Status : Charge Off I do not recognize this charge-off as accurate. Full validation is required. Failure to verify requires deletion under 15 U.S.C. 1681i. 
XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX | Balance Owed : {$1100.00} | Status : Charge Off This account is being reported inaccurately. Please provide complete verification. If accurate documentation can not be furnished, this account must be removed. 
XXXX XXXXXXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX | Balance Owed : {$20000.00} | Status : Late Payment This account is not disputed for deletion. However, the late payment reporting is inaccurate. I have never made late payments as reported. I am requesting correction of the payment history only, as required by the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Late Payment The late payment history reported on this account is incorrect. I dispute the accuracy of the payment history and request correction only. Deletion is not requested. 
XXXX XXXXXXXX XXXX XXXX Open Date : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Charge Off I have no knowledge of this charge-off. Please investigate and verify this account. If verification can not be completed, this account must be deleted. 
XXXXXXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX | Balance Owed : {$670.00} | Status : Collection This is a duplicate and unverified collection entry. I dispute this account in full. Any duplicate or unverifiable reporting must be deleted immediately. 
XXXXXXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX | Balance Owed : {$490.00} | Status : Collection This collection account is inaccurate and lacks proper validation. Please conduct a full investigation and remove this account if verification can not be completed. 
XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX | Balance Owed : {$2300.00} | Status : Collection I have no knowledge of this alleged collection account. No contract, billing statement, or proof of liability has been provided. Please investigate and delete this account if verification can not be produced. 
XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX | Balance Owed : {$3300.00} | Status : Collection This collection account is inaccurate and unverified. I do not recognize this debt. Under the FCRA, any information that can not be fully verified must be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX | Balance Owed : {$120.00} | Status : Collection I dispute this collection in its entirety. I have no knowledge of this obligation. Please provide full verification or delete this account immediately. 
XXXX XXXX Inquiry Date : XX/XX/XXXX This inquiry is unauthorized. I did not provide written or verbal consent, nor was there any permissible purpose. Please remove this inquiry pursuant to 15 U.S.C. 1681b. 
XXXX Inquiry Date : XX/XX/XXXX I do not recognize this inquiry. There was no application or permissible purpose. Please remove this inquiry from my credit report. 
XXXX Inquiry Date : XX/XX/XXXX This inquiry was not authorized by me. I dispute its validity and request immediate deletion under the FCRA. 
XXXX Inquiry Date : XX/XX/XXXX I did not authorize this inquiry. No permissible purpose exists. This inquiry must be removed. 
XXXX Inquiry Date : XX/XX/XXXX This inquiry is inaccurate and unauthorized. Please delete it immediately. 
XXXX XXXX Inquiry Date : XX/XX/XXXX I have no knowledge of this inquiry. There was no permissible purpose. Removal is required under 15 U.S.C. 1681b. 
I am requesting that the CFPB review these violations and require the consumer reporting agencies and furnishers to comply with the Fair Credit Reporting Act by conducting proper investigations and deleting or correcting all inaccurate, unauthorized, and unverifiable information. 
Thank you for your assistance in this matter.

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