Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I received the results of TransUnions reinvestigation regarding multiple accounts and inquiries that I had previously disputed. Despite my requests, the inaccurate and unverifiable information remains on my credit report. 

The following items remain inaccurate : XXXX XXXX ( Revolving account ) Reported as charged-off with a balance due. I requested proof of the charge-off and asked for the balance to be updated to {$0.00} or the negative status to be removed, but TransUnion did not provide proof. 

XXXX XXXX ( Revolving account ) Reported with missed and late payments. I requested payment history records, but no proof was provided. 

XXXX ( Installment account ) Reported as XXXX  days past due even though the balance is {$0.00}. I requested documentation to support this status, but none was provided. 

XXXX ( Overdraft/Reserve Checking account ) Reported with late payments despite a {$0.00} balance. I requested records of all payments, but TransUnion did not provide proof. 

XXXX XXXX XXXX XXXX ( Revolving account ) Reported as charged-off with a large balance due. I requested proof of the charge-off and asked that the balance be corrected or the negative status deleted, but no validation was given. 

XXXX XXXXXXXX ( Revolving account ) Reported with missed and late payments. I requested statements of all payments, but TransUnion did not provide them. 

XXXX XXXX XXXX ( Installment account ) Reported with late payments. I requested full payment records, but TransUnion did not provide validation. 

XXXX  ( Revolving account ) Reported with late payments despite a {$0.00} balance. I requested proof, but none was given. 

In addition, multiple collection accounts remain unverifiable : XXXX XXXX ( original creditor : XXXX XXXXXXXX XXXX XXXX XXXX ( original creditor : XXXXXXXX XXXX XXXX  XXXX ) XXXX ( original creditor : XXXX XXXX ) XXXX Funding ( original creditor : XXXX XXXX XXXX ( original creditor : XXXX ) XXXX XXXX XXXX XXXX original creditor : XXXX ) XXXX XXXX ( original creditor : XXXX XXXX XXXX For each of these, I disputed on the basis that I never had a contract with these debt collectors, and I requested proof from the original creditors that the debts were valid and legally collectible. TransUnion has not provided validation. 

Finally, several hard inquiries remain disputed : XXXX ( XX/XX/XXXX ) Multiple inquiries made on the same day, though I only authorized XXXX. 

XXXX XXXX  ( XX/XX/XXXX ) Same issue as above. 

XXXX XXXX ( XX/XX/XXXX ) I do not recognize or recall authorizing this inquiry. 

Despite my repeated disputes, TransUnion closed their investigation without providing any documentation from the original furnishers. Under the Fair Credit Reporting Act ( FCRA ), TransUnion is required to : Ensure maximum possible accuracy of the information it reports ( 15 U.S.C. 1681e ( b ) ), and conduct a reasonable reinvestigation of disputed items ( 15 U.S.C. 1681i ( a ) ). TransUnion has failed to comply with these legal requirements. Despite my repeated disputes, TransUnion has left inaccurate accounts on my file without providing me with proof of validation from the furnishers or original creditors. This constitutes a violation of the FCRA.

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