Consumer complaint received 2025-12-22 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:
I am submitting this complaint to formally report ongoing violations of the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. Despite multiple prior written disputes, the companies listed below continue to report inaccurate, misleading, and unverified information on my consumer credit reports. These failures demonstrate a lack of reasonable investigation and continued noncompliance with federal law. 
XXXX  Account ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$0.00} Late Payment This account is inaccurately reporting late payments despite a XXXX balance and no missed payments on my part. Reporting late payment history without factual basis violates FCRA 1681e ( b ) and 1681s-2 ( b ). I am requesting immediate correction of the payment history to reflect accurate information only. 
XXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$69.00} Charge Off This account is being reported as a charge-off without proper documentation or validation of how this status was determined. Continued reporting of an unverified charge-off is inaccurate and misleading under FCRA 1681e ( b ). This account must be corrected or removed if it can not be fully verified. 
XXXX XXXX  Account ending XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance Owed {$3500.00} Charge Off This account is reporting a charge-off that I dispute due to lack of proper investigation and inconsistent reporting history. Failure to verify the accuracy after repeated disputes violates FCRA 1681s-2 ( b ). Immediate correction or deletion is required. 
XXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance Owed {$880.00} Charge Off This charge-off is disputed due to lack of proper validation and failure to correct errors after prior disputes. Continued reporting without reasonable investigation violates FCRA 1681s-2 ( b ). 
XXXX XXXX  Account ending XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$5200.00} Charge Off This account reflects inconsistent balances and charge-off reporting compared to other XXXX XXXX  tradelines XXXX Inconsistent data across the same creditor is inaccurate under FCRA 1681e ( b ) and must be corrected. 
XXXX XXXX Account ending XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$1300.00} Charge Off This account is reported as a charge-off without proper verification or documentation supporting this status. If this account can not be fully verified, it must be deleted under FCRA requirements. 
XXXX XXXX  XXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$3600.00} Late Payment This account is inaccurately reporting late payments that do not reflect my actual payment history. Inaccurate late payment reporting violates FCRA 1681e ( b ). I am requesting correction of the payment history only. 
XXXX XXXX  Account ending XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance Owed {$5500.00} Charge Off This charge-off is disputed due to failure to conduct a reasonable investigation after prior notices. Continued reporting without verification violates FCRA 1681s-2 ( b ). 
XXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance Owed {$350.00} Late Payment This account is incorrectly reporting late payments despite no verified late activity. Reporting inaccurate payment history violates FCRA 1681e ( b ). I am requesting correction of the late payment status. 
XXXX XXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$280.00} Charge Off This account is being reported as a charge-off without proper documentation or validation supporting this status. Reporting unverified charge-off information is inaccurate under FCRA 1681e ( b ). This account must be corrected or removed if it can not be fully verified. 
XXXX Account ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance Owed {$750.00} Late Payment This account is inaccurately reporting late payments that do not reflect my actual payment history. Reporting incorrect payment history violates FCRA 1681e ( b ). I am requesting correction of the late payment history only. 
XXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$0.00} Late Payment Late payment history is being reported despite a XXXX balance and no verified late activity. This constitutes inaccurate reporting under FCRA 1681e ( b ). Correction of the payment history is required. 
XXXX XXXX  Account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance Owed {$4900.00} Charge Off This charge-off remains unverified after prior disputes. Failure to properly investigate and correct this information violates FCRA 1681s-2 ( b ). This account must be corrected or deleted. 
XXXX XXXX XXXX Account ending XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance Owed {$0.00} Late Payment This account reflects late payments that are not supported by accurate payment records. Reporting inaccurate late payment history violates FCRA 1681e ( b ). I am requesting correction of this account. 
XXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$400.00} Charge Off This charge-off is disputed due to lack of proper validation and failure to correct inaccuracies after notice. Continued reporting without verification violates FCRA 1681s-2 ( b ). 
XXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$0.00} Charge Off A charge-off is being reported despite a XXXX balance, which is inaccurate and misleading. Reporting conflicting information violates FCRA 1681e ( b ). This tradeline must be corrected or removed. 
XXXX Account ending XXXX XXXX  Date Opened XX/XX/XXXX Balance Owed {$0.00} Charge Off A charge-off is being reported despite a XXXX balance. Reporting conflicting and misleading information violates FCRA 1681e ( b ). This tradeline must be corrected or removed. 
XXXX XXXX  Account ending XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$1100.00} Collection I have no verified knowledge of this alleged debt. As a third-party debt collector, continued reporting without providing proper validation violates FDCPA 1692g and FCRA 1681s-2 ( b ). This account must be deleted if it can not be validated. 
XXXX XXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$810.00} Collection This collection account has not been properly validated after notice of dispute. Continued reporting without validation violates FDCPA 1692g and FCRA 1681s-2 ( b ). 
XXXX XXXX Account ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance Owed {$1200.00} Collection This tradeline represents unverified collection reporting. Failure to validate and continued reporting is noncompliant with FDCPA and FCRA requirements. 
XXXX XXXX Account ending XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance Owed {$100.00} Collection This account is being reported without proper validation. Continued reporting without verification violates FDCPA 1692g. Deletion is required if validation can not be produced. 
XXXX XXXX Account ending XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$900.00} Collection This collection remains unverified after prior disputes. Continued reporting without proper investigation violates FCRA 1681s-2 ( b ). 
XXXX XXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$2800.00} Collection This collection account has not been validated and appears inconsistent with other Portfolio tradelines. Inaccurate or duplicate reporting violates FCRA 1681e ( b ). 
XXXX XXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance Owed {$1300.00} Collection Continued reporting of this account without proper validation violates FDCPA 1692g and FCRA 1681s-2 ( b ). 
XXXX XXXX  Account ending XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$500.00} Collection This account has not been validated despite written notice. Continued reporting without validation violates FDCPA 1692g. Deletion is required if validation can not be provided. 
XXXX XXXX Inquiry dated XX/XX/XXXX This inquiry was not authorized by me and must be deleted for lack of permissible purpose. 
XXXX Inquiry dated XX/XX/XXXX This inquiry was not initiated by me and must be removed. 
XXXX XXXX XXXX Inquiry dated XX/XX/XXXX This inquiry was not authorized by me and must be removed. 
I am requesting that CFPB require the involved furnishers and debt collectors to provide documented proof of accuracy and permissible purpose. Any account or inquiry that can not be fully verified must be corrected or removed immediately. I am requesting CFPB assistance to ensure compliance with federal consumer protection laws and to stop continued inaccurate reporting.

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