Consumer complaint received 2025-07-11 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: GA

Complaint narrative:
Dear TransUnion, I am deeply concerned and increasingly frustrated regarding the continued inaccuracies and wrongful reporting in my credit report. Despite multiple previous disputes, you have failed to fulfill your obligations under the Fair Credit Reporting Act ( FCRA ). As mandated by federal law, you are required to investigate, verify, and correct any inaccurate or incomplete information. 

Below are the accounts still erroneously reported on my credit file. Each has clear violations of the FCRA that demand immediate correction or removal : XXXXXXXX XXXX # XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$4500.00} Issue : Charge Off Law : XXXX U.S.C. XXXX ( b ) Duty to correct and update information. 
Story : This account inaccurately reflects a charge-off. Despite repeated requests, XXXX XXXX has failed to provide evidence validating this status. Reporting inaccurate information without proper validation constitutes a direct violation of the FCRA. Please remove or correct this immediately. 

XXXX XXXX # XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$740.00} Issue : Late Payments Law : XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) Requirement to delete unverifiable information. 
Story : I have disputed the late payment history on this account several times. XXXX XXXX has failed to produce documented proof verifying these alleged late payments. Continuing to report unverifiable negative information violates federal law and significantly harms my creditworthiness. Please delete these inaccuracies immediately. 

XXXX XXXX # XXXX * * Date Opened : XX/XX/XXXX High Balance : {$5000.00} Issue : Late Payments Law : XXXX U.S.C. XXXX ( b ) Accuracy requirement. 
Story : The reported late payments are incorrect and unfounded. UPSTART has not substantiated this information despite multiple inquiries. Reporting false information is unlawful and damaging to my financial reputation. Immediate correction or deletion is required under the FCRA. 

XXXX # XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$3300.00} Issue : Charge Off Law : XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) Duty of furnishers to provide accurate information. 
Story : XXXX continues to report this account as charged off without valid evidence supporting this claim. The lack of accurate verification from XXXX is unacceptable and violates my rights under the FCRA. I demand immediate removal or correction of this erroneous status. 

XXXX # XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX High Balance : {$4500.00} Issue : Charge Off Law : XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) Reinvestigation requirement. 
Story : Despite previous disputes, XXXX has failed to provide credible verification regarding the alleged charge-off. Continuing to report this unverified and harmful information is illegal under federal law. Immediate correction or removal is mandatory. 

XXXX XXXX XXXX XXXXXXXX * * * * * * * * * * * Date Opened : XX/XX/XXXX High Balance : {$2800.00} Issue : Collection Law : XXXX U.S.C. XXXX ( b ) Responsibility to verify and correct information. 
XXXX : This collection entry has never been properly verified. XXXX XXXXXXXX XXXX has not provided sufficient proof validating this debt, making its continued presence on my report a violation of the FCRA. Prompt deletion is necessary to comply with federal law. 

XXXX XXXX XXXX # XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$830.00} Issue : Collection Law : XXXX U.S.C. XXXX ( b ) Duty to assure maximum possible accuracy. 
Story : XXXX XXXX XXXX continues to report this unverified debt as a collection. Multiple dispute attempts have yielded no credible evidence. Such persistent inaccuracies breach the FCRAs accuracy mandate. Immediate removal is essential.

Your continued disregard for accuracy and compliance with the FCRA severely impacts my financial health and overall wellbeing. Immediate action is required to rectify these violations. 

Please provide a detailed report of your reinvestigation process and confirmation of the removal or correction of these items within XXXX days. 

Thank you for your immediate attention to this urgent matter.

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