Consumer complaint received 2025-12-27 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 submitting this complaint regarding the continued reporting of inaccurate, unverified, duplicated, and misleading credit information by multiple furnishers and collection agencies in violation of the Fair Credit Reporting Act 15 USC 1681 and 15 USC 1681s-2 Despite submitting multiple disputes directly with the credit reporting agencies these items remain on my consumer credit reports without proper investigation or correction XXXX XXXX account XXXX XXXX XXXX reported as Charge Off high balance {$630.00} date opened XX/XX/XXXX this account is not recognized by me I have no knowledge of this account and no contract or obligation has been established linking this account to me you have failed to provide competent evidence of ownership accuracy or consumer authorization continued reporting without proper verification violates FCRA 15 USC 1681e ( b ) and 1681i this account must be deleted XXXX XXXX account XXXX XXXX XXXX XXXX reported with Late Payment history high balance {$1100.00} date opened XX/XX/XXXX the late payment reporting is inaccurate I have never made late payments as reported this is not a request for deletion of the account but a demand that the payment history be corrected to accurately reflect on time payments as required under FCRA 15 USC 1681a and 1681s-2 ( a ) XXXX XXXX account XXXXXXXX XXXX XXXX  reported as Collection high balance {$1200.00} date opened XX/XX/XXXX this is a duplicate of the XXXX tradeline listed above duplicated collection reporting inflates my credit file and is expressly inaccurate under the FCRA this tradeline must be deleted XXXX account XXXX XXXX  reported as Collection high balance {$620.00} date opened XX/XX/XXXX this is another duplicate reporting of the same alleged obligation I have no knowledge of this debt and no validation has been provided continued reporting after dispute violates FCRA 15 USC 1681i deletion is required XXXX XXXX account XXXX XXXX XXXX reported with Late Payment balance {$350.00} date opened XX/XX/XXXX the late payment status is inaccurate I never made late payments as reported this dispute is for correction of the payment history only and not deletion failure to correct inaccurate payment history violates FCRA 15 USC 1681s-2 ( a ) XXXX XXXX inquiry dated XX/XX/XXXX this inquiry was not authorized by me and no permissible purpose has been demonstrated under FCRA 15 USC 1681b this inquiry must be removed XXXX XXXX inquiry dated XX/XX/XXXX this inquiry was not authorized by me and no permissible purpose exists under FCRA 15 USC 1681b deletion is required These issues demonstrate a systemic failure by furnishers and credit reporting agencies to conduct reasonable investigations and to ensure maximum possible accuracy as required by federal law I am requesting CFPB assistance to require immediate correction or deletion of the disputed items and to ensure compliance with the Fair Credit Reporting Act

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