Consumer complaint received 2025-10-10 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:
TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : [ Insert Date ] INTRODUCTION I, XXXX XXXX, am submitting this sworn affidavit because TransUnion is reporting false, misleading, and unverifiable information on my consumer file. These inaccuracies are damaging my reputation and directly impacting my ability to obtain credit. 
Under the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards, you are legally obligated to ensure my file is accurate and delete any unverifiable or inconsistent data.

1. PERSONAL INFORMATION ERRORS My correct identifying information is : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX The following inaccurate identifiers must be deleted immediately as they create risk of mixed file errors in violation of 15 U.S.C. 1681e ( b ) : False Names : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 
Outdated Addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Employers : XXXX, XXXX XXXX XXXX ( outdated ). 

XXXX. DISPUTED ACCOUNTS A. XXXX XXXX XXXX XXXX  Collection Account No. : XXXX XXXX : {$1400.00} Cross-Examination : TransUnion : XXXX {$1400.00} collection, update date different. 
XXXX  : Opened XX/XX/XXXX, XXXX {$1400.00}. 
XXXX  : XXXX {$1400.00}, XXXX missing. 
XXXX account can not carry XXXX different reporting timelines, which violates 1681e ( b ) and Metro 2.

Violation : Previously deleted and reinserted without notice, violating 1681i ( a ) ( 5 ) ( B ) ( ii ). 
Demand : Delete unless TransUnion receives and provides wet-ink signature contract and assignment agreement validating ownership ( 1692g FDCPA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Collection Account No. : XXXX XXXX : {$190.00} Cross-Examination : TransUnion : XXXX {$190.00} collection, status conflicts. 
XXXX  : Opened XX/XX/XXXX, XXXX {$190.00}. 
XXXX  : Reports collection with different update date.

This violates 1681e ( b ) and Metro 2.

Demand : Provide validation ( 1692g ) or delete immediately under 1681i ( a ) ( 5 ) ( A ). 
XXXX XXXX XXXX / XXXX XXXX Account XXXX. : XXXX XXXX : {$3900.00} ( Past due {$170.00} ) Cross-Examination : TransUnion : Reports XXXX XXXX {$170.00} with different update. 
XXXX  : XXXX XXXX lates XXXX & XX/XX/XXXX. 
XXXX  : XXXX XXXX = XX/XX/XXXX. 
Violation : Different delinquency dates violate 1681e ( b ) and Metro 2.

Late Payment Law : Reporting lates violates 1666b, requiring proper billing cycle application.

Demand : Remove late history or delete tradeline under 611 / 1681i ( a ) ( 5 ) ( A ).

D. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} | XXXX : {$500.00} Cross-Examination : TransUnion : Reports XXXX XXXX 
XXXX  : XXXX XXXX XXXX ( XX/XX/XXXX ). 
XXXX  : Reports Pays as Agreed. 
Violation : Contradictory reporting violates 1681e ( b ).

Late Payment Law : Reporting lates improperly violates 1666b.

Demand : Delete late history and correct tradeline to Pays as Agreed.

3. LEGAL GROUNDS 15 U.S.C. 1681e ( b ) : Maximum possible accuracy.

15 U.S.C. 1681i ( FCRA 611 ) : Requires reinvestigation in 30 days.

1681i ( a ) ( 5 ) ( A ) : Unverifiable in
formation must be deleted.

1681i ( a ) ( 5 ) ( B ) ( ii ) : Reinserted items ( XXXX XXXX ) are prohibited without notice.

15 U.S.C. 1692g ( FDCPA ) : Debt collectors must validate debts.

15 U.S.C. 1666b : Improper late payment reporting violates billing cycle law.

Metro 2 : Credit data must be consistent across all bureaus.

4. DEMANDS 1. Delete all false names, addresses, and employers.

2. Provide full validation of all disputed accounts.

3. Delete or correct all inconsistent and unverifiable accounts.

4. Provide corrected report and notify all creditors who received inaccurate reports in the past six months.

AFFIDAVIT I declare under penalty of perjury under the laws of the United States that the foregoing is true and correct.

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