Consumer complaint received 2025-10-06 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: IL

Complaint narrative:
I am filing this complaint because multiple accounts from XXXX XXXX XXXX XXXX XXXX XXXX falsely reported on my credit report with charge-off and late payment statuses. These reports are completely inaccurate and have severely harmed my creditworthiness. I never received any charge-off notices, delinquency warnings, or proof of missed payments from these creditors. The information being furnished is misleading, unverifiable, and violates my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I request the CFPBs assistance in having these accounts reinvestigated, validated, and corrected or deleted immediately. 
XXXX XXXX * * * * Date Opened : XXXX : $ XXXX : XXXX XXXX This account is being falsely reported as having late payments. I have never made any late payments on this account. I maintained regular and timely payments according to the terms of the agreement. The creditors reporting is incorrect, misleading, and in violation of FCRA 602 ( A ) and 607 ( B ), which require accurate and verifiable data. I demand that the inaccurate late payment history be corrected and updated to reflect accurate payment records. I also request that the furnisher provide proof of each alleged late payment with proper documentation, as required under FCRA 623 ( A ) ( 1 ) ( D ). 
XXXX  XXXX * * * * Date Opened : XXXX : $ XXXX : XXXX This account is being reported as charged off, which is false and damaging. I was never notified of any default or charge-off status by TBOM/ASPIRE. I do not acknowledge this account as charged off, and I have not received any lawful validation notice in accordance with 15 U.S.C. 1692g ( a ). The reporting of this as a charge-off without verification is deceptive and in violation of FCRA 623 ( A ) ( 3 ). I am demanding that this charge-off status be deleted or updated to show accurate information reflecting good standing. 
XXXX  XXXX * * * * Date Opened : XXXX : $ XXXX : XXXX This account is showing as charged off, which is completely inaccurate. I was never notified of any delinquency or charge-off by XXXX. I have no recollection of ever being informed that this account was written off as bad debt. This is a serious reporting error and violates my right to fair and accurate credit information under FCRA 607 ( B ). I demand that this charge-off status be investigated and either verified with complete documentation or deleted from my credit report if proof can not be provided. 
Conclusion : All these accounts contain serious inaccuracies that violate my right to accurate reporting under the Fair Credit Reporting Act. These false charge-offs and late payment remarks have negatively affected my credit standing, caused emotional distress, and resulted in financial harm. I request that the CFPB intervene immediately and require these furnishers to : 1. Conduct a full and lawful reinvestigation.

2. Provide documentation proving the accuracy of their claims.

3. Correct or delete all inaccurate data from my credit report. 
If the furnishers fail to validate these accounts with proper evidence, I request full deletion of these entries from my report.

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