Consumer complaint received 2025-12-02 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 Whom It May Concern, I am submitting this formal complaint because the following accounts are being reported inaccurately on my credit report. These items are severely damaging my credit profile, and I am requesting an immediate investigation and correction under the FCRA. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$440.00} Date Opened : XX/XX/XXXX Late Payment This late payment reporting is completely inaccurate. I never made any late payments on this account, and no valid proof has ever been provided to justify this derogatory status. I am requesting that the payment history be corrected immediately because the current reporting is false and misleading. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$310.00} Date Opened : XX/XX/XXXX Charge Off I have no knowledge of this alleged account. I never authorized, opened, or used any such account, and I have never received any documentation proving this debt belongs to me. This appears to be identity theft or a reporting error, and I am requesting immediate deletion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$430.00} Date Opened : XX/XX/XXXX Charge Off I have no knowledge of this account. I never opened or used this alleged account, and I dispute the entire reporting as inaccurate. No validation has ever been provided. I am requesting full removal for incorrect and unverifiable reporting. 
XXXXXXXX XXXX XXXX XXXX  High Balance : {$35000.00} Date Opened : XX/XX/XXXX Charge Off I have no knowledge of this account and have never had any financial relationship with this creditor. This appears to be fraudulent, and I dispute all derogatory reporting. Please delete this account immediately as it is inaccurate and unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$400.00} Date Opened : XX/XX/XXXX Charge Off I have no knowledge of this account. I never opened or authorized it, and the furnisher has not provided any proof of ownership. This reporting is misleading and must be removed. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$19000.00} Date Opened : XX/XX/XXXX Charge Off I have no knowledge of this account, and I dispute the validity of this entire entry. No signed contract, statements, or proof has ever been provided. I am requesting deletion under FCRA 602, 607, and 609. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$340.00} Date Opened : XX/XX/XXXX Collection I have no knowledge of this alleged collection account, and I dispute its accuracy. I never received validation, notice, or any communication proving this debt belongs to me. Please delete immediately. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$100.00} Date Opened : XX/XX/XXXX Collection I have no knowledge of this account. This reporting is inaccurate, unverified, and appears to be an error. I request deletion for failure to provide valid documentation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$6900.00} Date Opened : XX/XX/XXXX Collection I have no knowledge of this account. I never received validation or proof that this debt belongs to me. This appears to be false reporting and must be deleted. 
I am demanding a full investigation into all the above accounts. Each of these items is either completely unfamiliar to me or is being inaccurately reported. I am requesting immediate correction, removal, or validation in compliance with the FCRA. Thank you for your prompt attention.

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