Consumer complaint received 2025-07-02 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: NJ

Complaint narrative:
This is my third formal dispute regarding the inaccurate and unverifiable reporting of the following account on my TransUnion credit report. Despite previous disputesLetter XXXX dated XX/XX/XXXX and XXXX XXXX dated XX/XX/XXXX XXXX XXXX XX/XX/XXXX you have failed to lawfully investigate, validate, or correct the errors in accordance with federal law. 

Additionally, I have formally reported this case as identity theft, and your continued reporting of this derogatory account constitutes a willful and repeated violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ). 

Furthermore, due to your repeated noncompliance, I have escalated this case to the Consumer Financial Protection Bureau ( CFPB ) and am now preparing to take the matter even further. If you do not immediately resolve this matter, I will be left with no choice but to pursue further federal, state, and legal actions, including media and congressional channels if necessary. 

Account in Dispute : Creditor Name : XXXX XXXX XXXX  Partial Account Number : XXXX XXXX XXXX XXXX XXXX Balance : {$37000.00} Status : Collection/Chargeoff ( Derogatory ) Date Opened : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Last Reported : XX/XX/XXXX Comments : " Charged off as bad debt Dispute resolved; reported by grantor '' Dispute Issues : TransUnion continues to report a derogatory account that is tied to identity theft, despite being notified and provided with sufficient documentation. 

The account was marked as Dispute Resolved without providing any investigation details, documentation, or verification. 

The reporting remains inconsistent, inaccurate, and unverified, violating numerous consumer protection laws. 

Violations of Federal Law Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 1 ) : Failure to conduct a lawful reinvestigation within 30 days.

1681i ( a ) ( 6 ) ( B ) : Failure to provide written reinvestigation results.

1681i ( 7 ) : No disclosure of the investigation methodology.

1681e ( b ) : Failure to ensure maximum possible accuracy.

1681s-2 ( b ) : Continuation of inaccurate and disputed reporting after notice.

609 ( a ) ( 1 ) ( A ) & ( 2 ) : Failure to disclose the source and full file information.

616 & 617 : Civil liability for willful and negligent noncompliance.

Truth in Lending Act ( TILA ) 15 U.S.C. 1637 ( b ) : Failure to accurately disclose account activity.

15 U.S.C. 1666 ( b ) : Failure to promptly correct billing errors.

15 U.S.C. 1640 : Liability for damages caused by violations.

Other Statutory Violations FDCPA 15 U.S.C. 1692e ( 8 ) : Knowingly reporting false or disputed information.

12 U.S.C. 5531 ( c ) : Engaging in unfair, deceptive, or abusive acts under the CFP Act.

Public Law 91-508, Title VI, 611 ( A ) - ( D ) : Reinsertion of inaccurate information without validation. 

Final Warning Escalation Pending I demand the following actions immediately : Permanent deletion of the XXXX XXXX XXXX  account from my TransUnion credit file. 

Written confirmation of the deletion within XXXX business days. 

A full copy of the investigation results, including contracts or authorization documents bearing my signature. 

This matter is now affecting me psychologically and emotionally, causing ongoing distress, and interfering with my financial and personal well-being. TransUnion 's negligence and unlawful reporting are directly contributing to this harm. 

If no resolution is reached, I will pursue all available legal remedies, including : A lawsuit for actual and punitive damages Claims for emotional distress Injunctive relief and deletion orders Attorneys fees and court costs This letter serves as final notice prior to escalation. You are now on record for knowingly and willfully violating my rights following multiple disputes and a government complaint.

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