Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion LLC P.O. XXXX XXXX XXXX, PA XXXX RE : XXXX XXXX Continued Dispute of Inaccurate Reporting XXXX  Account No. XXXX To Whom It XXXX Concern, This letter serves as my second formal notice regarding the continued inaccurate and non-compliant reporting of the XXXX  account ( Account No. XXXX ) on my TransUnion credit report. 
Despite my prior dispute, your investigation failed to address the numerous factual inaccuracies and legal violations I raised. Your response lacked the required detail under the Fair Credit Reporting Act ( FCRA ) and shows either a failure to conduct a reasonable reinvestigation or willful disregard for federal law. I am now demanding immediate corrective action before I escalate this matter further. 
CONTINUED ISSUES WITH REPORTING You are currently reporting this account with the following critical errors : Payment history is completely missing, yet the account is listed as charged off as bad debt with a past due balance of {$120.00} and a total balance of {$240.00}. 
There is a last payment date of XX/XX/XXXX, but no payment timeline to show how the account became delinquent or charged off. 
Date of First Delinquency ( DOFD ) is not reported, which is required for charged-off accounts under XXXX XXXX XXXX 
The Monthly Payment field is blank. Per XXXX XXXX guidelines, this must be reported as {$0.00} for a closed or charged-off revolving account. 
The account is labeled closed, but there's no supporting field data ( closure date, settlement terms, or sale ). 
No original creditor or " company sold to '' is listed, making verification impossible. 
These omissions and contradictions are not only misleading, but they also violate FCRA 1681i, 1681e ( b ), 1681s-2 ( a ), and XXXX XXXX XXXX reporting standards. 
LEGAL VIOLATIONS 1. FCRA 1681i Inadequate Reinvestigation You are legally required to conduct a reasonable reinvestigation and provide details including : Method of verification used, Documentation provided by the furnisher, The name and contact information of the data furnisher. 
Your first response failed to include any of this. Regurgitating verified without factual support is not compliance. It is neglect.

2. FCRA 1681s-2 ( a ) ( 1 ) ( A ) Inaccurate or Incomplete Information The furnishers of information are prohibited from reporting data that is knownor should be knownto be inaccurate. Reporting a charged-off status without showing a pattern of delinquency or how it occurred is factually inaccurate and legally insufficient.

3. FCRA 1681e ( b ) Failure to Ensure Maximum Possible Accuracy CRAs are responsible for ensuring the information they report is accurate and complete. Omitting the DOFD, monthly payment, payment history, and other key fields is not in compliance with this standard. 
XXXX. XXXX XXXX Compliance Violations The missing and inconsistent fields ( payment history, monthly payment, DOFD, charge-off date, and original creditor ) violate industry-standard XXXX XXXX formatting and directly impact how lenders view this tradeline.

5. 15 U.S.C. 1681b ( a ) ( 2 ) Permissible Purpose Violation Unless you can show written instructions from me authorizing this data to be furnished, the continued reporting of this account may constitute a violation of my rights under 1681b ( a ) ( 2 ). I have not authorized the sharing or display of unverifiable information. 
DEMAND FOR IMMEDIATE ACTION This is a formal request for reinvestigation pursuant to FCRA 1681i and a demand for correction or deletion of the KIKOFF account unless it can be verified with fully compliant documentation. 
You are required to : Reinvestigate the XXXX account, including contacting the furnisher and obtaining original documentation ; Provide me with a written description of the reinvestigation process ; Disclose the method of verification, and the name, address, and phone number of the data furnisher ; Delete or fully correct any item that can not be verified with complete, accurate, and legally sufficient information ; Send me an updated copy of my credit report upon completion of the reinvestigation.

NOTICE OF ESCALATION Let this serve as final notice. If this matter is not resolved within the legally mandated 30-day period : I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) ; I will submit a complaint to the Federal Trade Commission ( FTC ) ; I will pursue civil legal action under 15 U.S.C. 1681n ( a ), which provides for : Actual damages ; Statutory damages up to {$1000.00} per violation ; Punitive damages ; Costs of the action and reasonable attorneys fees. 
I am documenting all communications in preparation for potential litigation and regulatory escalation. 
I expect a full and compliant response within 30 days of receipt of this letter. 
Sincerely, XXXX XXXX

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