Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing inaccurate, incomplete, and outdated credit reporting appearing on my credit report. These entries contain contradictions, unverifiable balances, duplicate reporting, and improper charge-off designations. Under FCRA 1681e ( b ), furnishers and credit reporting agencies must ensure maximum accuracy. Several accounts are in violation. 

Disputed Accounts XXXX XXXX XXXX ( Opened XX/XX/XXXX ) Reports 8 late payments in XXXX while status shows Paid or paying as agreed and {$0.00} past due. This is contradictory and misleading. 
XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX ) Reports multiple late payments, yet shows Paid or paying as agreed with no past due. Inconsistent reporting violates accuracy standards. 
XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX ) Listed as open but with Unknown payment history. This is incomplete and unverifiable reporting. 
XXXX. XXXX ( XXXX XXXX XXXX ) Reports 6 late payments but also Paid or paying as agreed with no past due. This is inaccurate and misleading. 
XXXX XXXX  ( Closed XX/XX/XXXX ) Status Charged off as bad debt while also stating Purchased by another lender with {$0.00} balance. Continuing to report charge-off after sale is inaccurate. 
XXXX. XXXX ( Closed XX/XX/XXXX ) Reports Charged off with {$68.00} balance while also stating Profit and loss writeoff. This is contradictory reporting. 
XXXX. XXXX XXXX ( Closed XX/XX/XXXX ) Reports Payment after charge-off/collection with {$0.00} balance. Account opened in XXXX XXXX now be outdated under FCRA 7-year reporting limit. 
XXXX. XXXX XXXX ( Closed XX/XX/XXXX ) Foreclosure was discontinued, yet account still reports 17 late payments and 120+ delinquency. Continuing to report lates on a discontinued foreclosure is misleading. 
XXXX XXXX XXXX XXXXXXXX, XXXX ) Two accounts show charge-offs, one marked Paid profit and loss. These are over XXXX XXXX old and should be removed once they hit the 7-year FCRA limit ( 1681c ( a ) ( 4 ) ). 
XXXX. XXXX ( Two Collection Accounts, XXXX ) Two collections ( {$2300.00} and {$1000.00} ) appear to be duplicates of the same debt. Request validation and removal of duplicates. 

XXXX. XXXX XXXX ( XXXX, XXXX, XX/XX/XXXX ) Reported as a collection but also marked disputed. Request full validation under FCRA and FDCPA. 

XXXX XXXX XXXX ( XXXX, XXXX XXXX XX/XX/XXXX ) Disputed collection with no payment history. Unverified and incomplete reporting. 

XXXX. XXXX XXXX ( XXXX, XXXX XXXX ) Purchased debt from XXXX XXXX Debt buyer must prove ownership and accuracy. Needs validation or deletion. 

Relief Requested Conduct full reinvestigation under FCRA 1681i.

Require furnishers to provide complete validation of all reported debts.

Delete or correct any account that can not be fully verified, is contradictory, outdated, or duplicative.

Ensure furnishers comply with Metro 2 standards for accuracy and consistency. 

These errors are causing harm to my creditworthiness. I request CFPB oversight to ensure compliance with federal law and immediate correction or deletion of the inaccurate items.

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