Consumer complaint received 2025-08-13 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: FL

Complaint narrative:
Subject : Formal Dispute and Demand for Deletion of Inaccurate, Unverified, and Outdated Accounts Pursuant to the FCRA and FDCPA To Whom It May Concern, I am formally disputing the following accounts on my XXXX credit report under my rights as a consumer granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S. 1681i, 1681e ( b ), 1681s-2, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. 1692g ( b ). These accounts are being reported inaccurately, remain unverified, or continue to reflect misleading and outdated derogatory marks. If the accounts can not be verified with full documentation from the original creditor, they must be at once removed.

1. 

XXXX XXXX Acct XXXX : XXXX Status : Open {$80.00} past due Violation : 15 USC 1681s-2 ( a ) ( 1 ) ( A ) Inaccurate reporting of past due status with missing or incomplete payment history Violation : 15 USC 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation 2. 

XXXX Acct # : XXXX Status : Charged off {$630.00} written off ; {$73.00} past due Violation : 15 USC 1681c ( a ) ( 4 ) Reporting inaccurate balance exceeding charge-off limits Violation : 15 USC 1692g ( b ) Debt not validated despite dispute 3. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Status : Charged off {$300.00} Violation : 15 USC 1681s-2 ( b ) Reporting inaccurate charge-off status Reference : CFPB enforcement against XXXXXXXX XXXX XXXX XXXX XXXXXXXX issuer ) for deceptive credit card practices 4. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Status : Charged off {$4500.00} ( over {$600.00} limit ) Violation : 15 USC 1681e ( b ) Failing to maintain maximum possible accuracy Violation : 15 USC 1681c ( a ) ( 5 ) Potentially exceeding the 7-year reporting limit from date of first delinquency 5. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$280.00} charged off Acct XXXX XXXX XXXX XXXXXXXX {$550.00} charged off Violation : 15 USC 1681i ( a ) ( 5 ) Repeated charge-off updates without proper investigation Reference : CFPB XXXX XXXX XXXX XXXX Unfair and deceptive credit practices XXXX. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Status : Collection {$1500.00} Violation : 15 USC 1681e ( b ) Reporting inaccurate, unverifiable collection account Violation : 15 USC 1692g ( b ) No debt validation provided despite dispute 7. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Status : Collection {$490.00} Violation : 15 USC 1692e ( 8 ) Continuing to report unvalidated debt Reference : CFPB XXXX XXXX XXXX XXXX XXXX ) Deceptive debt collection and lack of proper documentation XXXXXXXX XXXX XXXX XXXX 



Status : Collection reported monthly since XX/XX/XXXX Violation : 15 USC 1681i ( a ) ( 1 ) ( A ) Ongoing collection reporting without verified balance or ownership Reference : CFPB enforcement against XXXX  XXXX for misleading consumers 9. 

XXXX XXXX XXXX Status : Collection from XX/XX/XXXX reporting monthly Violation : 15 USC 1681s-2 ( b ) Debt never validated or substantiated Violation : 15 USC 1681e ( b ) Inaccurate and repeated reporting without legal verification 10. 

Unlawful and Excessive Negative Reporting Patterns Across multiple accounts, XXXX  is reporting : CO ( Charge Off ) entries every month long after charge-off occurred Repeated collection marks ( C ) with no payments made or verified Extended delinquency dates and re-aging of accounts Violation : 15 USC 1681c ( a ) ( 4 ), 1681c ( a ) ( 5 ) Delinquencies exceeding 7 years from the original date Violation : 15 USC 1681i ( a ) ( 1 ) ( A ) No proper reinvestigation of inaccurate history Violation : 15 USC 1681e ( b ) Lack of accuracy and fairness in reporting

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