Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : Transunion Consumer Solutions, Subject : Request for Deletion of Unverifiable XXXX XXXX XXXX Account Based on XXXX Deletion Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$25000.00} Original Dispute Completed : XX/XX/year> XXXX Reference : Deleted Account Following Investigation Dear Transunion, I am writing to formally notify you that I disputed an inaccurate and unverifiable XXXX XXXX XXXX charge-off account, in the amount of {$25000.00}, previously reported on my XXXX credit report. After completing its investigation, XXXX removed this account entirely from my credit file on XX/XX/year>. 

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), if a consumer reporting agency can not verify the accuracy of an account after a reinvestigation, the disputed information must be deleted from the consumers credit file. Since XXXX has already determined the account to be unverifiable and has deleted it, this serves as evidence that the information can not be verified by the furnisher ( XXXX XXXX XXXX ). 

Because the same account information is being reported by your agency, I am requesting that you conduct an immediate reinvestigation of this account and delete it from my credit report in accordance with the FCRA. 

Applicable Consumer Protections Under the FCRA : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires that credit reporting agencies reinvestigate disputed information and correct or delete inaccurate or unverifiable items within 30 days of receiving a dispute. 

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Mandates that a CRA delete any disputed information that can not be verified after reinvestigation. 

XXXX5 U.S.C. 1681s-2 ( b ) : Requires furnishers ( like XXXX XXXX XXXX XXXX to conduct a proper investigation when notified of a dispute and to delete or correct inaccurate data. 

15 U.S.C. 1681n & 1681o : These sections give consumers the right to seek actual, statutory, and punitive damages, as well as attorneys fees, if a CRA or furnisher willfully or negligently fails to comply with the FCRA. 

Since XXXX has removed this unverifiable account, and given your legal obligation under the FCRA to maintain only accurate, verifiable information, I am formally requesting that you : Reinvestigate this account immediately, Delete the unverifiable XXXX XXXX XXXXe charge-off from my credit report, and Provide written confirmation of deletion within 30 days of receipt of this letter. 

If the account is not removed within 30 days, I will consider this a violation of the FCRA and will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and/or pursue legal action to enforce my rights under federal law. 

Please send your written response and confirmation of deletion to the address listed above. 

Thank you for your prompt attention to this matter. 

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