Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
# # XXXX XXXX DISPUTE LETTER CREDIT REPORT INACCURACY XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : XXXX XXXX  XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX From : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXXXXXX XXXX XXXX  Subject : XXXX XXXX  Formal Dispute of Credit Report Errors XXXX XXXX / XXXX Insurance Account Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Dear Credit Bureau Representative, I am writing to formally dispute inaccurate, incomplete, and inconsistent reporting on my credit report regarding the above-referenced account. The account is associated with XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  listed as the original creditor. The information currently reported contains multiple discrepancies that violate the Fair Credit Reporting Act ( FCRA ) and, potentially, the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX XXXX  Discrepancies Identified : XXXX XXXX XXXX XXXX XXXX Account Type Mismatch XXXX XXXX XXXX XXXX XXXX reports this account as a XXXX XXXX Collection Account XXXX XXXX 
XXXX XXXX  and TransUnion report this account as an XXXX XXXX Open Account XXXX XXXX 
XXXX  Under FCRA 607 ( b ), all reported information must be accurate and consistent. Reporting the same account as both open and in collection is misleading.

2XXXX XXXX  XXXX  Date of Last Activity ( DLA ) Discrepancy : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  & TransUnion : XX/XX/XXXXXXXX XXXX Inconsistent DLA violates FCRA 607 ( b ) as it materially misrepresents the account status and delinquency timeline. 

3. XXXX XXXX  Terms Field Mismatch : XXXX XXXX XXXX XXXX XXXX  1 Month XXXX XXXX XXXX TransUnion : Blank XXXX  A collection account should not show payment terms. This inconsistency mischaracterizes the account and may violate FCRA 607 ( b ) and FDCPA 807 ( 2 ) ( A ).

4. XXXX XXXX  Furnisher / Original Creditor Discrepancy : * * * Account is reported under XXXX XXXX, with XXXX XXXX as original creditor. 
XXXX  While lawful if properly assigned, the bureaus must verify the account assignment and ensure all reporting reflects the collection status accurately. Misrepresentation may violate FCRA 607 ( b ) and FDCPA 807. 

XXXX XXXX  Requested Actions : XXXX XXXX 1. Conduct a thorough investigation under XXXX XXXX FCRA 611 ( a ) XXXX XXXX  to verify the accuracy of the account information.

2. Provide documentation from the furnisher confirming assignment, balance, terms, and account status.

3. Correct any inaccuracies or delete the account from my credit file if verification can not be provided.

4. Provide written confirmation of your findings and actions taken within 30 days, as required under FCRA 611 ( a ).

Please ensure all three bureaus maintain XXXX XXXX  accurate, consistent, and complete information XXXX XXXX in accordance with FCRA 602 ( a ), 607 ( b ), 611 ( a ), and FDCPA 807 ( 2 ) ( A ). 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXXXXXX 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 explanation