Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date : XXXX/XXXX To : Transunion XXXX XXXX XXXX XXXX, XXXX Re : Failure to Properly Investigate Disputed Information under 15 U.S. CXXXXe XXXXi Dear, Transunion , I am writing to formally dispute and reiterate my concern regarding inaccurate and unverifiable information that remains on my credit report. I have submitted multiple disputes concerning the following account ( s ), yet your responses continue to state the items were verified or updated without providing any meaningful documentation or evidence of an actual investigation as required under 15 U.S. CXXXXe XXXX ( a ) ( XXXX ) ( A ). 

Accounts in Dispute : Creditor name : XXXX Account number : XXXX Nature of Dispute : The balance is incorrect and unverifiable Creditor Name : XXXX Account Number : XXXX Nature of Dispute : The balance is incorrect and unverifiable Creditor Name : XXXXXXXX XXXX Account number : XXXX Nature of Dispute : The balance is incorrect and unverifiable Creditor Name : XXXX  Account number : XXXX Nature of Dispute : The balance is incorrect and unverifiable Creditor Name : XXXX XXXXt Account number : XXXX Nature of Dispute : The balance is incorrect and unverifiable In accordance with the FCRA, I requested the following : Verification of the debt, including the name and address of the original creditor. 
The original signed contract bearing my signature. 
An itemized breakdown showing how the alleged amount was calculated. 
To date, none of this has been provided by either your agency or the furnisher of the information. Simply marking an account as verified without conducting a reasonable reinvestigation and failing to provide supporting documentation constitutes a violation of 15 U.S. CXXXXe XXXX ( a ) ( XXXX ), ( a ) ( XXXX ), and ( a ) ( XXXX ). 

Furthermore, if the information can not be verified, it must be deleted from my credit file under 15 U.S. CXXXXe XXXXi ( a ) ( XXXX ) ( A ). Continuing to report unverified information is not only inaccurate but also unlawful under 15 U.S. CXXXXe XXXX ( b ), which requires that credit bureaus follow reasonable procedures to ensure maximum possible accuracy. 

Action Requested : Immediately conduct a thorough reinvestigation. 
Provide the requested documentation ( original contract, breakdown, verification from furnisher ). 
Remove any unverifiable or inaccurate data. 
Provide me with written confirmation of your findings and actions taken. 
Please consider this letter as part of a formal paper trail, and be advised that continued failure to comply may result in me filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal action for noncompliance and damages under 15 U.S. CXXXXe XXXX and XXXX. 

I expect a full and proper response within the XXXXday period mandated by law. 

Sincerely, XXXX XXXX Enclosures : [ Any supporting documents, ID, proof of address, etc. ] Let me know if you want this adjusted for a specific account, creditor, or bureau or if youd like a separate letter for the furnisher ( the company that reported the account ).

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