Consumer complaint received 2025-12-24 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: TX

Complaint narrative:
I am submitting this formal complaint regarding continued inaccurate, incomplete, and unverified information being reported on my consumer credit report. I have disputed these items multiple times directly with the credit bureaus and furnishers. This complaint is being submitted while my CFPB case remains open and before any FTC submission. Despite prior disputes, the inaccurate information remains, indicating a failure to conduct a reasonable reinvestigation as required by the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2000.00} Late Payment This account is being reported with late payment history that is inaccurate. I did not make any late payments as reported. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 1681e ( b ), furnishers and credit bureaus must ensure maximum possible accuracy. I am disputing the payment history only and demanding correction of the late payment markings to reflect accurate payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off This account is reported as a charge off despite a zero balance. I dispute the accuracy, status, and completeness of this reporting. Under 15 U.S.C. 1681c and 1681e ( b ), any charge-off reporting must be fully accurate, verifiable, and legally reportable. If this account can not be fully verified with proper documentation, it must be deleted from my credit file. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$53000.00} Late Payment The late payment reporting on this account is inaccurate. I dispute the payment history only. I am requesting correction of the late payment entries under 15 U.S.C. 1681s-2 and 1681e ( b ), as the information currently reported does not reflect accurate payment behavior. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00} Charge Off This charge-off reporting is disputed for accuracy and verification. Under 15 U.S.C. 1681b and 1681e ( b ), you are required to maintain complete and accurate records. If you can not provide proper verification establishing my liability and the accuracy of the charge-off status, this account must be deleted. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment This account is reported with late payments despite a zero balance. I dispute the late payment history only. The reported payment history is inaccurate and must be corrected in accordance with 15 U.S.C. 1681e ( b ). I am not requesting deletion, only correction of inaccurate late payment reporting. 
XXXX XXXX XXXX Reference # XXXX Closing Date : XX/XX/XXXX This bankruptcy entry is disputed for accuracy, completeness, and continued reporting compliance. Any bankruptcy reporting must strictly comply with 15 U.S.C. 1681c ( a ). If any dates, status, or details are inaccurate or unverifiable, the entry must be corrected or deleted immediately. 
Unauthorized Hard Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX I did not authorize these inquiries. Under 15 U.S.C. 1681b, consumer reports may only be accessed with a permissible purpose. Please provide documented proof of authorization for each inquiry. If permissible purpose can not be established, these inquiries must be removed immediately. 
The continued reporting of disputed information after multiple notices indicates potential negligent and willful noncompliance under 15 U.S.C. 1681o and 1681n. I am requesting CFPB assistance to ensure a lawful reinvestigation is conducted and that all inaccurate or unverifiable information is corrected or removed.

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