Consumer complaint received 2025-11-03 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:
I am submitting this formal complaint against several creditors, debt collectors, and credit reporting agencies for reporting inaccurate and unverified information on my consumer credit reports, in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite my previous disputes and requests for verification, these accounts continue to appear on my credit reports without proper validation. 

Below are the details of the disputed accounts : XXXX XXXX XXXXXXXX * * Late Payment * * Date Opened : XX/XX/XXXX This account is inaccurately reported with late payments. I have never made any late payments, and the account history being reported is false and damaging. 

XXXX XXXX XXXX * * XXXX XXXX * * Date Opened : XX/XX/XXXX This account is also reporting late payments that never occurred. I am requesting an immediate correction of this inaccurate payment history. 

XXXX XXXX * * XXXX XXXX * * Date Opened : XX/XX/XXXX I have no knowledge of this account and never entered into any agreement with this company. This account must be deleted immediately for being unverified and inaccurately reported as a charge-off. 

XXXX XXXX XXXX * * Collection * * Date Opened : XX/XX/XXXX I have no knowledge of any account placed for collection with this company. This appears to be erroneous and unverified information. 

XXXX XXXX XXXX XXXX XXXX Collection * * Date Opened : XX/XX/XXXX I have no record or recollection of this debt. XXXX XXXX XXXX has not provided any documentation to verify its validity, which violates my rights under 15 U.S.C. 1692g and FCRA 611. 

XXXX XXXX XXXX * * Collection * * Date Opened : XX/XX/XXXX I have no knowledge of this account. This information is inaccurate and must be removed unless the furnisher provides concrete proof of my liability. 

XXXX XXXX XXXX XXXX  * Collection * * Date Opened : XX/XX/XXXX I have never had any account with this company. The account is fraudulent or misreported, and its continued reporting constitutes defamation and willful noncompliance. 

XXXX XXXX XXXX * Charge Off * * Date Opened : XX/XX/XXXX I have no knowledge of this account, and it is being inaccurately reported as a charge-off. I demand its deletion under FCRA 611 ( a ). 

XXXX XXXX XXXXXXXX * Charge Off * * Date Opened : XX/XX/XXXX I have no record of this account and request immediate removal due to lack of verification. 

XXXX XXXX XXXX Charge Off * * Date Opened : XX/XX/XXXX I have no knowledge of this account, and it is being wrongfully reported as charged off. 

Additionally, the following inquiries appear on my report, which I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Not Listed ) Under FCRA 604 ( a ) ( 2 ), no company may obtain or access my credit report without a permissible purpose. These inquiries were unauthorized, and I request their removal and investigation into how my personal credit data was accessed without consent.

I am demanding that the CFPB investigate these violations and hold the responsible parties accountable for furnishing, verifying, and maintaining false and unverified data. These inaccuracies have severely impacted my creditworthiness and caused both emotional distress and financial harm.

I respectfully request : Immediate investigation into the listed accounts and inquiries. 

Removal or correction of all inaccurate, unverifiable, or unauthorized information. 

Verification documentation to be produced by each furnisher within the timeframe allowed by law. 

Enforcement of penalties against furnishers or bureaus failing to comply with FCRA and FDCPA obligations. 

Thank you for your prompt attention to this matter. I expect a formal response confirming receipt and the steps that will be taken to resolve my complaint.

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