Consumer complaint received 2025-12-27 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:
Consumer Financial Protection Bureau I am submitting this complaint regarding inaccurate, incomplete, and misleading credit reporting by multiple furnishers in violation of the Fair Credit Reporting Act 15 U.S.C. 1681 et seq. I previously disputed these items directly with the credit reporting agencies and furnishers, yet the inaccuracies remain unresolved, demonstrating a failure to conduct a reasonable investigation as required under FCRA 1681i and 1681s-2 ( b ). 
XXXX XXXX XXXX account number XXXX Date Opened XX/XX/XXXX Balance Owed {$14000.00} is reporting late payments that are inaccurate. I did not make late payments as reported and the payment history does not reflect my actual account performance. Under FCRA 1681s-2 ( a ) ( 1 ) ( A ) and 1681e ( b ), furnishers must report information with maximum possible accuracy. I am requesting correction of the payment history to reflect accurate, non-delinquent reporting. 
XXXX XXXX XXXX account number XXXX Date Opened XX/XX/XXXX Balance Owed {$53000.00} is also reporting late payments and appears to be an additional duplicate of the same mortgage account. Multiple tradelines for the same debt with inconsistent formatting and delinquency data are inaccurate and incomplete. I am requesting deletion of all duplicate entries or consolidation into a single accurate tradeline with corrected payment history. 
XXXXXXXX XXXX XXXX account number XXXX Date Opened XX/XX/XXXX Balance Owed {$0.00} is reporting late payments that are inaccurate. This account does not have a delinquent payment history as reported. Under FCRA 1681s-2 ( b ), you are required to correct inaccurate information after dispute. I am requesting correction of the late payment history only. 
DEPT OF EDUCATIONXXXX account number XXXX Date Opened XX/XX/XXXX Balance Owed {$230000.00} is reporting late payments that are inaccurate and not supported by complete payment records. The reporting does not reflect accurate servicing history and must be investigated. I am requesting correction of the late payment history or deletion if accurate verification can not be produced in accordance with FCRA 1681i ( a ) ( 1 ) ( A ). 
XXXX XXXX account number XXXX Date Opened XX/XX/XXXX XXXX Owed {$0.00} is reporting as a charge off despite a XXXX balance. This reporting is misleading and inaccurate. If the balance is XXXX, continued charge-off reporting without complete verification is improper. I am requesting deletion of this tradeline unless full, accurate documentation is provided proving the charge-off status is being reported correctly under FCRA 1681e ( b ). 
Despite prior disputes, these inaccuracies remain on my credit report, demonstrating noncompliance with federal law. I am requesting CFPB assistance to require the furnishers and credit reporting agencies to conduct proper investigations, correct inaccurate payment histories, remove duplicate and unverified tradelines, and ensure my credit file reflects only complete and accurate information as required by law.

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