Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Subject : Formal Request for Reinvestigation Unverified and Unvalidated Accounts on Transunion Credit Report Dear Consumer Financial Protection Bureau, I am submitting this formal complaint and request for assistance in initiating a reinvestigation of accounts that continue to appear on my XXXX  credit report, despite being unverified and unvalidated in accordance with federal law. These accounts were previously verified as accurate by XXXX, yet no competent evidence or lawful validation has been provided by the furnishers or debt collectors. 

Accounts in Dispute Furnisher/Collector Name : XXXX XXXX XXXX Type of Account : Charge off Dispute Summary : Verified without validation, no original documentation provided, not marked as disputed, possibly re-aged. 

Furnisher/Collector Name : XXXX XXXX XXXX Type of Account : Collections Dispute Summary : Verified without validation, no original documentation provided, not marked as disputed, possibly re-aged. 





Unauthorized Inquiries XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX Violations of Consumer Protection Laws 1. Failure to Conduct a Reasonable Reinvestigation Under FCRA 611 ( 15 U.S.C. 1681i ), XXXX must conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of an item. Simply confirming with the furnisher that the account matches their records does not meet this standard. No actual documentation has been produced proving the debt is valid, belongs to me, or is legally collectible. 
2. Furnishing Inaccurate or Incomplete Information Under FCRA 623 ( 15 U.S.C. 1681s-2 ), a furnisher must not report information that is known or believed to be inaccurate. Reporting an unverifiable or unvalidated collection/charge-off as accurate constitutes a violation.

3. Failure to Provide Proper Debt Validation Under the FDCPA 809 ( 15 U.S.C. 1692g ), any third-party debt collector is required to validate the debt upon request, including : The name and address of the original creditor The amount of the debt with itemization Evidence of assignment/ownership of the debt None of the collectors have provided this information, and yet the items remain reported. 


4. R

e-Aging of Accounts If the date of first delinquency is not accurately maintained, the account may appear to remain longer than the 7-year limit. This violates FCRA 605 ( a ) and FCRA 605 ( c ), which limit the reporting period for adverse information to 7 years from the original delinquency date.

5. Failure to Mark Accounts as Disputed Pursuant to FCRA 623 ( a ) ( 3 ), once a consumer disputes an account, the furnisher is obligated to report it as disputed to the credit bureaus. Some of the accounts in question are not flagged as disputed, in violation of this requirement. 
Requested Relief I respectfully request the CFPB : Investigate XXXX reinvestigation procedures for the disputed accounts. 


Require XXXX to obtain documented proof from the furnisherssuch as original signed contracts or itemized billing statementsnot just a superficial verification. 


Remove or correct all unverifiable and unvalidated accounts from my credit report. 


Ensure all accounts in dispute are properly flagged as disputed under FCRA. 



Thank you for protecting consumer rights and for your 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