Consumer complaint received 2025-09-16 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: FL

Complaint narrative:
To Whom It May Concern, This letter is a formal dispute under my rights provided by the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and all applicable consumer protection laws. I am demanding an immediate reinvestigation of the accounts and information listed below as they are inaccurate, unverifiable, misleading, and causing serious harm to my credit profile. Under FCRA 602 ( A ) Congress recognized the need to ensure fair and accurate credit reporting, and under FCRA 611 ( a ) I am entitled to a reinvestigation of disputed information. Any information that can not be verified must be deleted immediately under FCRA 611 ( 5 ). Furthermore, any furnisher or debt collector reporting information that is false or unverifiable is in direct violation of FDCPA 807 and FCRA 623. 
XXXX XXXX AV XXXX XXXXXXXX XXXX XXXX Wrong Address reporting on my credit file is inaccurate and must be removed immediately because this is not and has never been my address. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Wrong Address reporting on my credit file is inaccurate and must be deleted immediately as it is not associated with me. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$240.00} Late Payment reporting is not accurate as the payment history can not be verified with proper documentation under FCRA 609. In addition, any negative reporting without providing original signed agreements and full payment records violates FCRA 623 and must be deleted. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$6900.00} Late Payment reporting is disputed as inaccurate. The Department of Education or any servicer has failed to provide verifiable documentation that validates the alleged delinquency. Without complete payment history and contractual agreement this reporting violates FCRA 611 and must be corrected or removed. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$2500.00} Late Payment reporting is also inaccurate and unverifiable. Federal student loan servicers are required to maintain complete records, and failure to provide this violates my rights under FCRA 609 and 611. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$6000.00} Late Payment reported is not supported by original documentation. No signed promissory note or payment breakdown has been provided, therefore this negative reporting is inaccurate and must be deleted under FCRA 623. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$3500.00} The reported Late Payment is unverifiable and misleading. Federal law requires accuracy, and any unverified negative information is a violation under FCRA 611 and FDCPA 807. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$6000.00} The Late Payment notation is not accurate as the servicer has failed to show complete verification. Unverified data must be removed under FCRA. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$3500.00} Reporting of Late Payment is disputed. Any claim of delinquency must be backed with official records, otherwise it is a violation of my rights under FCRA 602 ( A ). 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$1000.00} This Late Payment is inaccurate. Reporting unverifiable late payments creates harm and is unlawful under FCRA and FDCPA. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$610.00} Charge Off reporting is inaccurate. Without proof of ownership of the debt and complete chain of title, this reporting is not valid. Under FDCPA 809 debt validation must be provided, otherwise the entry must be removed. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1400.00} Collection account is disputed. XXXX XXXX has a long history of violations and must provide full validation including original contract, itemized statement, and chain of custody. Without this, reporting violates FDCPA 807 and FCRA 623. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$660.00} Collection account is inaccurate and unverifiable. This furnisher has not provided any proof of ownership or authorization to report this alleged debt. Under FDCPA 809 and FCRA 611 this must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$2900.00} Charge Off reporting is misleading and inaccurate. No verification or contract was provided, violating my right to accurate reporting under FCRA 609. 

XXXX XX/XX/XXXX Inquiry This inquiry is unauthorized and must be removed as it was done without my consent, violating FCRA 604. 
As a consumer, I am exercising my rights to have all unverifiable, inaccurate, and misleading information permanently deleted from my credit file. If these accounts can not be 100 % verified with proper documentation, they must be deleted immediately. Failure to comply will result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for violation of consumer rights.

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