Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am submitting this complaint because several accounts on my credit report contain conflicting, inconsistent, or unverified information. I have attempted to dispute these items directly with the credit reporting agencies and with the furnishers, but I have never been provided proper documentation to substantiate the reporting. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus and furnishers are required to ensure that all information reported is accurate, complete, and fully verifiable. To date, none of the disputed accounts have been supported by signed contracts, itemized statements, or any form of original-creditor verification. 

Because of the inconsistent data across all three credit bureaus and the lack of proper validation, I am requesting a full reinvestigation and verification of each account listed below. Any account that can not be confirmed with reliable documentation must be removed from my credit file. 

XXXX. XXXX XXXX / XXXX Account Ending XXXXXXXX XXXX XXXX XXXX XXXX  The information reported for this account is inconsistent across the XXXX XXXX  credit bureaus. 
Examples of discrepancies include inconsistent high balances, differing dates of last activity, mismatched reporting dates, and contradictory status remarks such as Charged off as bad debt versus Account closed by credit grantor and Account was in dispute resolved. 

XXXX XXXX XXXX XXXX Accounts Ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts show conflicting balances, different dates of last activity, inconsistent reporting dates, and contradictory account statuses including Charged off, Unpaid balance reported as loss, and Consumer disputes this account. 

XXXX. XXXX XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  All three credit bureaus list different balances, dates of last activity, and reporting dates. Status notations also conflict, with entries ranging from Charged off as bad debt to Account was in dispute now resolved. 

XXXX. XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Discrepancies include differing high balances, major inconsistencies in dates of last activity, conflicting reporting dates, and incompatible status remarks such as Transferred or sold versus Charged off as bad debt. 

XXXX. XXXX XXXX Account XXXX XXXX XXXX  This account shows major discrepancies, including different high balances, conflicting last activity dates, and inconsistent status remarks. The bureaus report a mix of charged off, early termination, balance owing, and loss reporting. The variation in balance amounts and status descriptions indicates the information is unreliable and has not been properly verified. 


XXXX. XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX This collection account contains conflicting dispute remarks across the bureaus, including differing statements regarding whether the dispute meets FCRA requirements or whether the consumer still disagrees. Although the balances match, the conflicting status language demonstrates inaccurate reporting. Under the FDCPA, this account must be validated before it may continue to be reported. 

XXXX. XXXX XXXX / XXXX XXXX Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts reflect inconsistent high balances, mismatched last activity dates, and conflicting reporting dates. The status remarks also contradict one another, including notes that the dispute was resolved and others stating the consumer still disagrees with the results. These variations show the information is not being reported in a complete or accurate manner. 

XXXX. XXXX XXXX Account Ending XXXX The bureaus report different information for this account, including inconsistent balances and conflicting dates of last activity and reporting. The status remarks also vary and include multiple dispute-related comments. The inconsistent data demonstrates that the account has not been verified appropriately. 

XXXX. XXXX XXXX Account XXXX XXXX The bureaus report different balances, dates, and dispute remarks, and one bureau does not report the account at all. These inconsistencies show the information is not being reported accurately or consistently. 

XXXX. XXXX Account Ending XXXX Balances, dates, and dispute statuses vary across the credit bureaus. One bureau shows the account with recent activity while another lists older dates, and the remarks contradict one another.

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