Consumer complaint received 2025-01-24 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: NJ

Complaint narrative:
TransUnion
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To whom it may concern,
I would like to formally dispute any information on my credit report that I believe is inaccurate, as permitted by
the Fair Credit Reporting Act (FCRA). I understand that the FCRA requires all data included in a consumer's
file to be documented and validated before it can be used by creditors, and I take this matter seriously.
I respectfully disagree with the allegations of delinquency and derogatoriness against me, as they are false. I
believe that the accuracy of my credit report is crucial, and I ask that you maintain and report data with
complete accuracy and compliance. As per the law and reporting standards XXXX XXXX, it is imperative that all
claims made are accurate and reported in the correct format.
I kindly request that you provide evidence to support the negative status of my accounts and the permissible
purpose for any inquiry or account within my report. I understand that it may take some time to investigate this
matter, so I am giving you a period of 30 days from the date of this letter to review and make the necessary
corrections.
I would appreciate receiving physical proof of your actions and my updated credit report. The allegations listed
in my report appear to be inaccurate, and I kindly request that you provide accurate and verified information for
each claim. If the allegations are found to be untrue, I request that you delete them from my report.
Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX: XXXX XXXX XXXX  XXXX XXXX**** XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer disputes - reinvestigation in progress
Under 15 USC 1666b, this late payment entry is a violation. I have been incorrectly billed. - Please update the
status of this account to "paid on time." XXXX XXXX XXXX
I would like to bring to your attention that the information above has not been proven to meet compliance
reporting standards and has not been verified for accuracy or completeness. It would be greatly appreciated if
you could delete this information as soon as possible.
Additionally, if it's not too much trouble, could you please refer to the image above for XXXX XXXX XXXX which
may help identify areas of concern?
XXXX FHA XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX
FHA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
$XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer disputes - reinvestigation in progress , XXXX XXXX XXXX ,
Under 15 USC 1666b, this late payment entry is a violation. I have been incorrectly billed. - Please update the
status of this account to "paid on time."
The information presented in the upper section appears to lack proper compliance with reporting standards,
and its accuracy, completeness, timeliness, and validation have not been verified. Therefore, I kindly request
that you provide documented evidence of compliance with consumer laws and reporting standards. It is
imperative that you take immediate action to remove any imperfect, inaccurate, incomplete, or unverified
information.
Furthermore, please refer to the image above for XXXX XXXX XXXX  to address any additional areas
of concern.
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer disputes - reinvestigation in progress , Charged off account ,
This account needs to be validated. - Remove on my report immediately!
I must express my profound disappointment and concern upon discovering that the information provided
above for XXXX XXXX XXXX XXXX has not undergone the requisite certification process to comply
with established reporting standards. It is deeply disheartening to acknowledge that the included data lacks
XXXX XXXX XXXX
any assurance of accuracy, currency, or comprehensiveness. Furthermore, it is of utmost importance to
highlight that this information may suffer from notable incompleteness, obsolescence, or a lack of
substantiation. Consequently, I earnestly request the immediate removal of any erroneous or unsupported
content from this page, as it falls far below the expected standards and greatly hinders its reliability. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer disputes - reinvestigation in progress
This account needs to be validated. - Remove on my report immediately!
I am deeply disappointed by your inability to furnish documented evidence of compliance with reporting
standards and consumer laws. This deficiency is of utmost significance. I insist on the immediate removal of
this flawed, inaccurate report, or legal measures will be pursued against your company for non-compliance
with the specific requirements stipulated by law. It is crucial that we are well-informed about the content of
documentaries to avoid being caught unprepared for potential future complications. These issues could have
been prevented if those with superior knowledge had shown due diligence in prioritizing accuracy over mere
convenience.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer disputes - reinvestigation in progress , Subject has not satisfied debt. ,
This account needs to be validated. - Remove on my report immediately!
We regret to inform you that the account associated with the account name XXXX XXXX XXXX and account
number XXXX has been found to exhibit inconsistencies among the three credit reporting agencies. It is
imperative to note that any kind of disparity, inadequacy, inaccuracy, or exclusion of the reported details is
considered a discrepancy from the standardized XXXX XXXX Data-filled Field Formatted reporting compliance
regulations, which is mandatorily adhered to by the reporting industry. Any deviation from this protocol is an
act that compromises the data's integrity, as clearly stated in the XXXX XXXX XXXX Therefore, the authenticity XXXX XXXX XXXX
of the disputed reported item is legally questionable until there is irrefutable evidence of the accuracy,
completeness, timeliness, and physical verification of all aspects of the claim. This is particularly significant if
the reported item is not fully compliant with the XXXX XXXX formatted industry requirements, as mentioned above,
and could jeopardize the data's integrity. We kindly request you to investigate the following suspect reported
data fields of the contested reported item of injury, taking into account the above mentioned discrepancies.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account information disputed by consumer, meets FCRA requirements
This account needs to be validated. - Remove on my report immediatelyXXXX XXXX XXXX XXXX XXXX****
I would like to respectfully remind you that it is imperative to promptly remove any claims from your reporting
that lack evidence or adequate support, regardless of whether they appear in the list provided or not. As the
data reporting provider, it is necessary for you to meet the minimum requirements to maintain the conditional
privilege of reporting. Failure to do so raises doubts about the validity of all your claims. Specifically, any claim
that you cannot conclusively prove, especially with regard to the mandatory XXXX XXXX  Compliance standards,
cannot be considered reportable. These standards are outlined in the XXXXs nearly annual XXXX and any
deviation from them jeopardizes the data's integrity. I therefore urge you to substantiate all allegations and
comply with the necessary reporting practices to ensure certification of compliance.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account needs to be validated. - Remove on my report immediately!
I would like to express my disappointment and concern regarding the information provided above for XXXX XXXX  XXXX XXXX XXXX It is disheartening to learn that this data has never undergone the necessary
certification to conform to established reporting standards, which is a significant oversight. Furthermore, the XXXX XXXX XXXX
lack of assurance regarding the accuracy, currency, and comprehensiveness of the included data is deeply
troubling. I must emphasize that this information may potentially be incomplete, outdated, or unsupported,
which further erodes its reliability. In light of these concerns, I kindly request the prompt removal of any
incorrect or unsupported material from this page, as it is essential to uphold the expected standards of
accuracy and integrity. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX* XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX12 XXXX XXXX XXXX XXXX XXXX XXXX
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer disputes - reinvestigation in progress
This account needs to be validated. - Remove on my report immediately!
I would like to express my deep disappointment upon discovering that the information provided above for
XXXX XXXX XXXX has not undergone the necessary certification process to meet established
reporting standards. It is disheartening to acknowledge that the included data carries no assurance of
accuracy, currency, or comprehensiveness. Moreover, it is important to note that this information may be
significantly incomplete, outdated, or lacking proper support. Therefore, I kindly request the immediate
removal of any erroneous or unsupported content from this page, as it falls short of the expected standards
and is a matter of great concern.
XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX21 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account information disputed by consumer, meets FCRA requirements
This account needs to be validated. - Remove on my report immediately!
I hereby request the immediate expungement of any injurious elements in the allegations attributed to the
following entry on my credit report: XXXX XXXX XXXX XXXX  I am gravely disappointed to have discovered that the reporting of this entry may
have been carried out in an unfair, inadequately verified, or potentially unlawful manner. Such conduct is not
XXXX XXXX XXXX
only unacceptable but also a clear violation of the regulations governing credit reporting. Therefore, I demand
the prompt removal of any claim of late payments associated with this entry, in strict compliance with the
relevant legal provisions. I trust that this matter will be addressed with the utmost urgency and due diligence
to avoid any further disappointment or dissatisfaction.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer disputes - reinvestigation in progress
This account needs to be validated. - Remove on my report immediately!
I would like to formally request the expungement of any detrimental components of the accusations attributed
to the following entry on my credit report: XXXX XXXX XXXX. It is with great disappointment and frustration that I express my belief that the
reporting of this entry may have been conducted in an unjust, inadequately verified, or potentially illegal
manner. Consequently, I strongly demand the immediate removal of any allegations of late payments
associated with this entry, in strict accordance with the applicable legal provisions.
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX** XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
This account needs to be validated. - Remove on my report immediately!
I am profoundly disappointed by your failure to furnish documented evidence of adherence to compliance
reporting standards and relevant consumer laws, which constitutes a significant deficiency. I hereby demand
the immediate deletion of this flawed and inaccurate report. Failure to comply will result in legal repercussions
as your company has not met the specified legal requirements pertaining to these matters. It is imperative that
we are well-informed through documentaries to avert potential future complications. We must not be caught
unprepared due to preventable issues, which could have been avoided if those with superior knowledge had
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prioritized accuracy over mere convenience.
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ,
This account needs to be validated. - Remove on my report immediately!
I express my profound disappointment regarding your failure to provide documented proof of compliance with
reporting standards and consumer laws. This deficiency is significant, and I insist on the immediate deletion of
this flawed report. Failure to comply will result in legal action for non-compliance with the relevant legal
requirements. It is of utmost importance that we have a comprehensive understanding of the content
displayed in documentaries, as it enables us to anticipate and address potential issues that may arise in the
future. These issues, which could have been prevented had there been a commitment to accuracy over mere
convenience, should not catch us off guard.
XXXX XXXX  FXXXX XXXX XXXX XXXX XXXX: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XX/XX/XXXX (XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ,
This account needs to be validated. - Remove on my report immediately!
I kindly request the expungement of any harmful components of the accusations attributed to my credit history
concerning the following entry:
XXXX XXXX  XXXX XXXX***. I hold the belief that the reporting of this entry may have been done
unfairly, inadequately verified, or potentially unlawful. In particular, I hereby demand that any claim of
delinquent payments related to this item be expunged promptly in accordance with the applicable laws.
I respectfully request the swift removal of any derogatory accounts from my consumer credit reports that lack
verifiable information or fail to comply with the established reporting standards. This is particularly vital if the
accuracy, timeliness, completeness, ownership, and adherence to XXXX XXXX  data field formatting standards are
XXXX XXXX XXXX
not definitively established, as per both state and federal reporting laws, such as the Fair Credit Reporting Act.
It is important to note that, as mandated by this Act, you have a maximum of XXXX days to complete this
necessary investigation. I anticipate your prompt action in rectifying any inaccuracies and ensuring my credit
report reflects accurate, complete, and compliant information.
XXXX XXXX XXXX XXXX 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