Consumer complaint received 2025-07-21 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: LA

Complaint narrative:
To Whom It May Concern,. Despite my prior communication, the following items continue to be reported erroneously. I am writing to reiterate my request for a full reinvestigation under my rights provided by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and 15 U.S.C. 1681e ( b ).

Incorrect Personal Information ( Addresses ) The following addresses are inaccurately listed on my credit report. I have never resided at these locations, and their continued appearance is misleading and possibly linked to fraudulent activity or identity confusion : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX Under FCRA 1681e ( b ), TransUnion is obligated to maintain maximum possible accuracy in the credit file. Please immediately delete these addresses as they do not belong to me and have no verifiable association with my credit activity.

Disputed Accounts The following accounts are being reported inaccurately. I am disputing their completeness, accuracy, and validity. In accordance with FCRA 1681i, I demand a full reinvestigation and deletion if the furnishers can not verify the information with proper documentation. 
XX/XX/XXXXcct XX/XX/XXXXHigh Balance : {$2400.00} Date Opened : XX/XX/XXXX Status : Collection Issue : This account was never authorized by me, and I have not received any billing statements or validation of the alleged debt. I believe this may be the result of identity theft or misattribution.

Legal Support : FCRA 1681b Permissible purpose, 1681i Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX Acct XX/XX/XXXXXXXX High Balance : {$140.00} Date Opened : XX/XX/XXXX Status : Collection Issue : I was never notified about this debt prior to its appearance on my credit report. No dunning notice or validation has been received. I formally request debt validation under FDCPA and deletion under FCRA if validation can not be provided. 
Legal Support : FCRA 1681g, FDCPA 809 ( 15 U.S. Code 1692g ) 3. XXXX XXXX Acct XX/XX/XXXXXXXXXX/XX/XXXXHigh Balance : {$2000.00} Date Opened : XX/XX/XXXX Status : Charge Off Issue : This account is being reported as a charge-off despite unresolved disputes. I have not received any validation or accounting of the balance. This entry is affecting my credit unfairly, especially without proof of liability or contract. 
Legal Support : FCRA 1681i, 1681s-2 ( b ) Responsibility of furnishers after notice of dispute Supporting Information : A formal CFPB complaint has already been filed regarding these issues and is currently under review.

I have retained records of all previous communications and dispute letters for documentation.

This is a second notice and no sufficient action was taken after the first submission. Continued non-compliance may lead to further regulatory escalation.

Requested Action : 1. Conduct a full reinvestigation into each of the disputed items.

2. Provide written documentation and verification from the furnishers of the information.

3. Remove any unverifiable, inaccurate, or outdated items from my credit file.

4. Confirm the deletion of incorrect addresses listed above.

Please respond within 30 days, as mandated by FCRA 1681i ( a ) ( 1 ) ( A ). Failure to comply may result in further complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and possible legal action.

Thank you for your prompt attention to this urgent matter.

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