Consumer complaint received 2025-10-14 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:
I am submitting this complaint regarding multiple inaccurate, unverifiable, and unauthorized items appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute any inaccurate or unverified information. Below is a detailed list of the disputed accounts and inquiries : Disputed Accounts and Issues : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Balance : {$1200.00} | Charge-Off * * I have no knowledge or record of this debt. I have never authorized, used, or been responsible for this account. This is an erroneous charge-off. Under FCRA 1681i ( a ), I demand complete investigation and deletion if unverifiable. 
XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment * * This account shows late payments, which are incorrect. I have always paid on time. Reporting inaccurate late payments is a violation of FCRA 1681s-2 ( a ). I demand that the payment history be corrected immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$710.00} | Opened : XX/XX/XXXX | Late Payment * * The late payment status is false. I have never been late on this account. Reporting inaccurate delinquencies violates my rights under FCRA 1681e ( b ). I request correction of the account history. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Balance : {$650.00} | Collection * * No knowledge of this account. I have never received goods or services associated with this debt. This is likely a fraudulent collection attempt. Under FDCPA 1692e, I demand deletion unless proper verification is provided. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Balance : {$1200.00} | Collection * * This is inaccurate reporting. I do not owe this debt. If the bureau can not verify within 30 days per FCRA 1681i ( a ), the account must be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Balance : {$29000.00} | Collection * * Unrecognized account. I never incurred this debt. Reporting it constitutes fraudulent reporting under FCRA 1681s-2 ( b ). I demand deletion and confirmation of removal. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Balance : {$1700.00} | Collection * * Duplicate and unverified account. I do not recognize this obligation. Immediate deletion required under FCRA. 
XXXX XXXXXXXX Opened : XX/XX/XXXX | Balance : {$1400.00}| Collection I never had this account. It is reported fraudulently. Demand deletion unless validation is provided. 
Inquiries Unauthorized or Improper XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX All inquiries above are unauthorized and/or were not initiated by me. Reporting these inquiries without my consent violates FCRA 604. I demand immediate removal of all unauthorized inquiries. 
Request : I demand an immediate investigation of all disputed accounts and inquiries. Any unverifiable, inaccurate, or unauthorized item must be deleted or corrected within 30 days as required by law. I also request written confirmation of all corrections or deletions. 
Supporting Documents : ( Attach copies of your credit report highlighting disputed items, any identification documents if required, correspondence with creditors, etc. )

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 explanation