Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
To Whom It XXXX Concern : This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., regarding an item reported on my credit file related to TN XXXXXXXX XXXX XXXX XXXX I am demanding an immediate investigation and deletion of the inaccurate and/or improperly reported information from all three of your credit files. 

Disputed Information : Creditor/Furnishing Party : TN XXXX XXXX XXXX XXXX  Account Number ( if shown ) : XXXX XXXX Balance Reported : {$1200.00} Date Reported : XX/XX/XXXX This entry is inaccurate, outdated, and XXXX also be in violation of federal law. You are obligated to report only accurate, verified, and legally reportable information. Failure to do so is a breach of your duties under federal law. 

Legal Basis for Dispute : FCRA XXXX ( b ) Duty to Ensure Maximum Possible Accuracy You are legally required to ensure that any information you report is 100 % accurate and verifiable. Reporting false, outdated, or unverifiable XXXX XXXX information violates this section. 

FCRA XXXX Duty to Reinvestigate Upon receipt of this dispute, you are required by law to conduct a reasonable and thorough reinvestigation within XXXX  days. If the furnishing party can not provide complete verification and documentation, the item must be deleted. 

FCRA XXXX Permissible Purpose and Privacy Violation If this XXXX XXXX  account was furnished or shared without a legally permissible purpose, or without my informed consent ( where applicable ), you are in violation of the FCRA and XXXX also be violating provisions of the Privacy Act of XXXX. Sensitive personal information such as XXXX XXXX obligations must be handled with strict legal adherence. 

Demand for XXXX : Provide the methods and procedures ( including persons who verified the information, dates and contact info ) for the initial investigation that was completed prior to publishing this account on my credit file. If no initial investigation was done, please state so clearly. 

Immediately initiate a reinvestigation of the above-listed account. 

If the information can not be fully verified for accuracy and lawful reporting, it must be permanently deleted from my credit file. 

Provide me with written confirmation of the results of your reinvestigation within XXXX  days, as required by law. 

Provide me with an updated copy of my credit report reflecting any corrections or deletions. 

Please be advised that failure to comply with your obligations under the FCRA XXXX result in legal action, including but not limited to complaints filed with the Federal Trade Commission ( FTC ), and potential civil litigation under XXXX XXXX. XXXX and XXXX. 

This is your legal notice. I expect timely and compliant handling of this 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 explanation