Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding multiple inaccurate and harmful accounts being reported on my credit file. These accounts are being reported in violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which requires that all information furnished to consumer reporting agencies must be accurate, complete, and verifiable. Despite my attempts to resolve these issues, the accounts continue to reflect negative and misleading information that is damaging my financial well-being.

One of the primary concerns is the account listed as XXXX XXXXXXXX with a high balance of {$240.00}, opened on XX/XX/XXXX. This account is being reported with a late payment, yet there has been no proper validation or documentation provided that proves the accuracy of this derogatory entry. The FCRA mandates that furnishers and credit reporting agencies ensure maximum possible accuracy. Reporting a late payment without verifiable records constitutes negligent reporting and violates my rights. 

Another account of concern is XXXX XXXX, showing a high balance of {$5000.00}, opened on XX/XX/XXXX, and listed as a charge off. I have not received any proof of ownership, proper accounting records, or documentation validating this debt. A charge-off status is one of the most damaging notations on a credit file, and placing such a status without a complete chain of validation is unlawful under the FCRA. This reporting has created significant hardship for me by blocking access to credit and housing opportunities. 

The account XXXX XXXX XXXXXXXX, with a reported high balance of {$4000.00}, opened on XX/XX/XXXX, is also inaccurately showing a late payment. I dispute this entry, as no sufficient evidence has ever been provided to prove the validity or timeliness of these payments. Continuing to report late payments without proper verification demonstrates reckless disregard for the truth, again violating the requirement of accuracy under the FCRA. 

Finally, the account XXXX XXXX XXXX, with a reported high balance of {$21000.00}, opened on XX/XX/XXXX, is being listed as a charge off. This is a serious and damaging claim, yet no documentation has been provided to establish this debt or confirm its legitimacy. Reporting such an account as charged off without validation not only harms my credit but also violates FCRA Section 623, which prohibits furnishers from reporting information that they know or should know is inaccurate. 

These repeated violations have caused significant harm to my personal and financial life. The continued presence of these inaccurate accounts has led to denied credit, higher interest rates, and emotional XXXX. As a consumer, I have the legal right to accurate and verifiable reporting. If furnishers and credit reporting agencies can not provide documented proof of these accounts, they must be deleted immediately as required by law. 

I respectfully request that the CFPB conduct a full investigation into these reporting practices and take enforcement action to ensure compliance with the Fair Credit Reporting Act. I am asking for the deletion of all unverifiable and inaccurate information from my credit file.

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