Consumer complaint received 2025-12-23 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 filing this complaint to report inaccurate, misleading, and unauthorized information that continues to appear on my consumer credit report despite my rights under the Fair Credit Reporting Act 15 U.S.C. 1681 and the Fair Debt Collection Practices Act 15 U.S.C. 1692. Credit reporting agencies and furnishers are legally required to report information with maximum possible accuracy and only when a lawful and permissible purpose exists. The accounts and inquiries listed below do not meet these requirements and are causing ongoing harm to my credit profile. 
XXXX  XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a balance of {$470.00} is reporting late payment history. This late payment reporting is inaccurate. I did not make late payments as reported, and the payment history does not reflect my actual account activity. Under FCRA 1681s-2 ( a ), furnishers must correct inaccurate information. I am requesting correction of the late payment history only, not deletion of the account.

FRD MOTOR CR account number XXXXXXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$19000.00} is reported as a charge off. I dispute the accuracy and completeness of this reporting. No valid documentation has been provided showing how this balance was calculated, when default occurred, or that proper notice was issued. If this account can not be fully substantiated, it must be removed under FCRA 1681c and 1681e ( b ). 
XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a balance of {$15000.00} appears to be a duplicate of another XXXX XXXX  account. Duplicate reporting is a violation of FCRA 1681e ( b ). One or both entries must be deleted if they can not be clearly distinguished and verified. 
XXXX account number XXXXXXXX XXXX XXXX  opened on XX/XX/XXXX with a balance of {$1300.00} is reporting as a collection and appears to be duplicate reporting of the same alleged debt. Duplicate collection reporting is inaccurate and misleading and must be deleted. 
XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a balance of {$200.00} is reporting as a collection. I have no knowledge of this account and dispute its accuracy. Validation is required under FDCPA XXXX. If not validated, delete immediately. 
XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a reported balance of {$670.00} is listed as a collection account. I have no knowledge of this alleged debt and no record of any contractual obligation with this company. No documentation has been provided showing original creditor information, assignment of debt, or legal authority to report. Under FCRA 1681i and FDCPA 1692g, this account must be fully validated or deleted. 
XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a reported balance of {$1500.00} is reporting as a collection account. I dispute the accuracy and ownership of this account. There is no proof that I owe this debt or that this entity has the right to report it. If proper verification can not be produced, deletion is required under FCRA 1681e ( b ). 
XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a reported balance of {$670.00} is reporting as a collection. I dispute this account in its entirety. No valid documentation has been provided establishing liability, original creditor details, or lawful assignment. Under FDCPA and FCRA requirements, this account must be removed if not fully verified. 
XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a reported balance of {$820.00} is also reporting as a collection. This appears to be inaccurate or potentially re-aged reporting. I dispute the validity, accuracy, and ownership of this account. Re-aging or duplicate reporting violates FCRA 1681c ( a ). Delete this account if full verification can not be provided. 
XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a reported balance of {$2400.00} is reporting as a collection. I have no knowledge of this debt and dispute its accuracy. No signed agreement, payment history, or proof of assignment has been provided. This account must be deleted if it can not be properly validated. 
I am requesting that the CFPB investigate these matters and require the credit reporting agencies and furnishers involved to comply with federal law. Any account or inquiry that can not be fully verified with complete and accurate documentation must be deleted or corrected immediately. I request written confirmation of the actions taken to resolve these violations.

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