Consumer complaint received 2025-05-05 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:
XXXX XXXX XXXX XXXX XXXX XXXX apt XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Transunion XXXX XXXX XXXXXXXX XXXX PA XXXX Subject : Credit Report Dispute under FCRA Request for Investigation Dear TransUnion, I am writing to formally dispute inaccurate and unverifiable information that is being reported on my credit file. This is my first round of disputes, and I am requesting that you investigate the items listed below in accordance with the Fair Credit Reporting Act ( FCRA ) Section 611. I am requesting deletion of any information that can not be properly verified. 
________________________________________ Addresses to be Removed ( Not Mine/ Inaccurate / Outdated ) : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX These addresses are inaccurate and should be removed as they are not associated with my current or previous residences. 
________________________________________ Accounts to Be Investigated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$470.00} I do not recognize this account. Please verify and provide documentation including the original contract with my signature. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$480.00} This account appears to be reporting inaccurate payment history. Please validate its accuracy. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1000.00} I have no recollection of opening this account. Please provide complete documentation verifying ownership. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX : {$29000.00} This appears to be an error. Please provide proof of account ownership and payment history. 
XXXX. XXXX # XXXX Date Opened : XX/XX/XXXX High Balance : {$12000.00} Charge Off I dispute this charge-off status. Please validate the full history, dates, and contractual agreement. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX High Balance : {$520.00} Late Payments Please verify the accuracy of the reported late payments. I request supporting documentation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX : {$1300.00} XXXX I do not have any knowledge of this debt being placed in collections. Please verify and validate. 
________________________________________ Unauthorized or Unfamiliar Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me, and I request their removal per FCRA Section XXXX, which requires a permissible purpose for such inquiries. 
________________________________________ If you are unable to verify any of the above items with documentation from the original creditor, they must be deleted from my credit report as required by federal law. Please complete your investigation within the XXXX timeframe mandated by the FCRA and XXXX me an updated copy of my credit report with your findings. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

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