Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute and Request for Deletion XXXX  XXXX  Account ( XXXX * * ) To Whom It May Concern, I am writing to formally dispute several inaccuracies and violations regarding an account listed on my TransUnion credit report under the name XXXX XXXX ( Account # : XXXX * * ). I am requesting the immediate deletion of this account due to inaccurate, inconsistent, and incomplete reporting, all of which are clear violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 



Inaccuracies and FCRA Violations : XXXX. Inconsistent Date Opened TransUnion reports this account as opened on XX/XX/XXXX, while Equifax reports XX/XX/XXXX. 
Under FCRA 1681e ( b ), consumer reporting agencies must maintain maximum possible accuracy. This inconsistency fails to meet that standard. 
XXXX Credit Limit Reporting Error The account is reported with a {$400.00} credit limit by TransUnion XXXX while XXXX  XXXX lists {$0.00}. 
Although this is correct on your end, this inconsistency across bureaus is a concern and still requires confirmation and verification. 
XXXX. Past Due & Payment Status Issues The account shows a {$210.00} past due balance and is marked Late XXXX Days, despite prior disputes submitted and no verifiable supporting documentation. 
Continuing to report negative items without adequate verification violates FCRA 1681i and 1681s-2 ( b ). 
XXXX. No Updated Investigation Results Despite a dispute notation, the information remains unchanged and damaging, which violates FCRA 611 ( 15 U.S.C. 1681i ). A proper reinvestigation and correction are required. 
XXXX. High Credit Inconsistency TransUnion lists a high credit of {$1000.00}, while Equifax reports only {$400.00}. This discrepancy skews my reported credit usage across bureaus. 
6. Violation of Consumer Rights Under FCRA 602, I am entitled to accurate and fair credit reporting. The continued inconsistencies, conflicting information, and failure to ensure integrity in reporting violate my rights and harm my credit profile.

Request for Deletion : Due to the outlined inaccuracies, inconsistent reporting, and failure to comply with FCRA regulations, I am demanding that TransUnion permanently delete this account from my credit file. 

This is not a simple correction request this account is inaccurately reported in several areas and continues to harm my creditworthiness. If you can not verify this account with complete, accurate, and consistent data directly from the original creditor, you are required to delete it, pursuant to FCRA 1681i ( a ) ( 5 ) ( A ).

Please complete this reinvestigation within XXXX days, as required by law. If you require additional information, you may contact me using the information above. 

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