Consumer complaint received 2025-07-30 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:
To Whom It May Concern I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding several inaccurate and damaging items being reported on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws I have made multiple attempts to dispute these items directly with the credit reporting agencies but they have failed to properly investigate and correct the information as required by law The following information is being inaccurately reported on my credit file and is causing substantial harm to my credit standing and overall financial well-being I am requesting that the CFPB intervene and assist in having these errors permanently removed or corrected from all major consumer reporting agencies. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$0.00} Charge Off * * LAW ISSUE : Per FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable reinvestigation of any disputed information. Additionally, per 602 ( a ), data that is inaccurate or outdated harms consumers ' credit standing and must be deleted if not verifiable DISPUTE STORY : This account was closed with a {$0.00} balance and has been listed as a charge off inaccurately. No verification has been provided by the furnisher, and this second round dispute demands a proper reinvestigation with certified proof or deletion INSTRUCTION : Please reinvestigate this item or delete it from my report if the original creditor can not provide physical documentation bearing my signature and payment records validating this charge off ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Charge Off * * LAW ISSUE : Under FCRA 607 ( b ), the bureau must ensure the maximum possible accuracy of the data reported. Reporting a {$0.00} balance while still tagging it as a charge off is misleading and contradictory DISPUTE STORY : This charge-off is being reported with a {$0.00} balance, and no validation has been provided from the creditor 's end. This is my second request. If no response is received within the time required by law, the item must be deleted INSTRUCTION : I demand the removal of this item if verification can not be supplied directly by XXXX with complete payment and charge off history ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Charge Off * * LAW ISSUE : FCRA 611 ( a ) ( 1 ) ( A ) entitles consumers to dispute information believed to be inaccurate. 1681s-2 ( b ) requires furnishers to verify or correct disputed data DISPUTE STORY : This entry is a duplicate and appears to be a secondary reporting of the XXXX account already disputed. It is impacting my score unfairly. No legal validation has been provided INSTRUCTION : Please delete this account as it is a duplicate and unverifiable. If you can not confirm its legitimacy with dated statements or contractual agreement, it must be removed immediately ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$15000.00} Late Payment * * LAW ISSUE : According to FCRA 604 and 607 ( b ), the data being reported must be current and accurate, and outdated or unverifiable negative payment history must be corrected or removed DISPUTE STORY : I have never received any notification or billing statement regarding this amount, and I dispute the legitimacy of the alleged delinquency. The furnisher has failed to validate my responsibility for this debt INSTRUCTION : I request reinvestigation and demand documentary proof including signed agreements, payment breakdown, and notices if this account is to remain on my file. Otherwise, it must be deleted ACCOUNT : XXXX XXXX XXXX * Date XXXX Balance Owed : {$0.00} Late Payment * * LAW ISSUE : FCRA 609 requires that consumers be provided with all information in their file including sources. Also, FCRA 602 ( a ) prohibits outdated, unverifiable, and inaccurate information DISPUTE STORY : This account reflects a {$0.00} balance and was closed, but still lists late payments with no valid documentation. This second dispute requests strict validation or removal INSTRUCTION : Please delete this item if you can not produce signed documentation, billing statements, or payment records from XXXX XXXX validating the reported late payment PUBLIC RECORD : U.S. Bankruptcy Court Reference # XXXX Date Filed/ReportedXXXX  Bankruptcy LAW ISSUE : FCRA 1681c prohibits the reporting of unverifiable public records without official court documentation. Per CFPB guidelines, public records must be verified from the original source DISPUTE STORY : This court record is being reported incorrectly. No supporting court-certified documentation has been provided to justify its continued reporting. You are legally required to confirm all public records directly from the courthouse INSTRUCTION : Delete this bankruptcy entry if you can not verify it with a stamped, certified record directly from the U.S. Bankruptcy Court that issued it, not a third-party vendor INQUIRY : XXXX XX/XX/XXXX LAW ISSUE : Under FCRA 604, credit inquiries require explicit authorization. Without such permission, this inquiry must be deemed unauthorized DISPUTE STORY : I never submitted any application or consent for credit review by XXXX. This was unauthorized and damaging INSTRUCTION : Delete this inquiry immediately or provide proof of authorization and purpose in compliance with federal law INQUIRY : XXXX XX/XX/XXXX LAW ISSUE : As outlined in FCRA 604 ( a ) ( 3 ), only certain legitimate purposes are allowed for inquiries. This does not qualify unless explicitly permitted DISPUTE STORY : I never applied for any financial product from XXXX. This inquiry was made without my consent and must be removed INSTRUCTION : If this inquiry was made in error or fraudulently, delete it and notify me of corrective action taken I respectfully request that the Consumer Financial Protection Bureau investigate these issues and require the credit bureaus to comply with their legal obligations under the FCRA and FDCPA I want all unverified inaccurate and unauthorized information to be removed from my credit report including the listed addresses accounts and inquiries These entries are severely impacting my ability to obtain housing employment and credit and are the result of negligent reporting and lack of proper investigation Please ensure that a thorough reinvestigation is conducted and that I am provided with full documentation and results in writing pursuant to 15 USC 1681i.

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