Consumer complaint received 2025-12-23 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, unverifiable, and unlawfully maintained information on my consumer credit report. Despite submitting prior disputes directly with the credit reporting agencies, the listed furnishers have failed to conduct a lawful and reasonable investigation as required under the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. As of today, these inaccurate items remain on my credit file, causing ongoing harm through false credit risk representation. 
XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6600.00} Charge Off This account is being reported as a charge-off without any evidence of a lawful charge-off process, complete payment history, or proper verification of the balance. I dispute the accuracy and completeness of this reporting under FCRA 1681s-2 ( b ) and request deletion if full verification can not be produced. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off This account shows a XXXX balance yet continues to reflect a charge-off status, which is inaccurate and misleading. Reporting a charged-off account with no outstanding balance without proper context violates FCRA accuracy requirements. This account must be corrected or deleted. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off A charge-off with a XXXX balance and no current obligation is being reported inaccurately. No documentation has been provided showing the basis for continued derogatory reporting. This information is incomplete and must be removed or corrected. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off This account is extremely old and is still reported as a charge-off with no balance owed. Continued reporting without full verification and lawful justification violates FCRA 1681 ( a ) ( 1 ). Immediate correction or deletion is required. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$20000.00} Late Payment The late payment status on this account is inaccurate. I did not make any late payments as reported. Under FCRA 1681e ( b ), inaccurate payment history must be corrected. I am requesting correction of the late payment reporting only, not deletion of the account. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$31000.00} Charge Off This account is being reported as a charge-off without proper validation of default, balance calculation, or compliance with applicable reporting standards. No legally sufficient verification has been provided, making this reporting inaccurate and unverifiable. Deletion is requested if verification can not be produced. 
XXXXXXXX XXXX Inquiry dated XX/XX/XXXX I do not recognize or authorize this inquiry. It lacks permissible purpose under FCRA 1681b and must be removed. 

XXXX XXXX XXXX dated XX/XX/XXXX Unauthorized inquiry with no permissible purpose ; deletion required. 

XXXX XXXX dated XX/XX/XXXX No consumer authorization or permissible purpose ; must be removed. 

XXXX  XXXX XXXX dated XX/XX/XXXX Inaccurate and unauthorized inquiry ; deletion required. 

XXXX XXXX XXXX dated XX/XX/XXXX I do not recognize authorizing this inquiry ; please remove unless permissible purpose can be proven. 

The continued reporting of these items demonstrates a failure to ensure maximum possible accuracy and to conduct reasonable reinvestigations as required by federal law. I am requesting that CFPB require the involved furnishers and credit reporting agencies to either provide full lawful verification or permanently delete the inaccurate information from my credit report. 
I respectfully request CFPB assistance to enforce compliance with the Fair Credit Reporting Act and to ensure my credit file reflects only accurate, complete, and verifiable information.

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