Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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his letter serves as a formal demand under the Fair Credit Reporting Act ( FCRA ) for the permanent deletion and correction of multiple inaccurate, unverifiable, and unlawfully re-aged items on my TransUnion credit file. This is not a reinvestigation request under 611. This is a demand for correction due to TransUnions repeated violations of federal law, stall tactics, and failure to adhere to protections already applied by XXXX  and XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} ) Reported XX/XX/XXXX. 
Two different third-parties have attempted to collect the same alleged XXXX debt XXXX Both XXXX  and XXXX  deleted this account. I have never been provided a purchase agreement, assignment, or signed contract tying me to this debt. Bills are not proof. 
Violations : FCRA 623 ( A ) ( 1 ) ( A ), 623 ( A ) ( 5 ), and 605B ( FTC Identity Theft Report and XXXX  XXXX XXXX victim ). 
Demand : Permanent deletion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$1100.00} ) Reported XX/XX/XXXX I never had an account with XXXX XXXX  XXXX or XXXX XXXX This account has been reinserted multiple times, which is illegal re-aging under XXXX23 ( A ) ( 5 ). Both XXXX  and XXXX  already corrected this. 
Demand : Permanent deletion. 
Unauthorized Inquiries XXXX XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ) These inquiries were not authorized. My private student loans are with a different lender. No proof of authorization has been provided. 
Violations : FCRA 604 and 607 ( B ). 
Demand : Permanent removal of both inquiries. 
XXXX Secured Card False late payments reported in XXXX & XX/XX/XXXX. XXXX  and XXXX  already corrected this account. 
Demand : Delete false derogatory marks. 
XXXX XXXX XXXX  False late payment reported in XX/XX/XXXX. Not shown on XXXX  or XXXX. 
Demand : Delete false derogatory mark. 
XXXX  XXXX Multiple false late payments reported in XXXX despite automatic payments being active. XXXX XXXX confirmed they did not report these lates, which means TransUnion fabricated or altered data. 
Violations : FCRA 623 ( A ) ( 1 ) ( A ) and 611 ( A ). 
Demand : Delete all false derogatory marks. 
XXXX XXXX TransUnion corrected some months after I provided proof, but then shifted derogatories to different months. This is illegal re-aging under XXXX ( A ) ( XXXX ). XXXX  and XXXX  corrected these already. 
Demand : Delete all false derogatory reporting. 
Pattern of Willful Noncompliance : TransUnion has engaged in stall tactics by defaulting to irrelevant address verifications, has failed to provide Method of Verification under 611 ( a ) ( 6 ), has issued automated verified replies without actual investigation in violation of 611 ( a ) ( 1 ), and has refused to honor my FTC Identity Theft Report under 605B. TransUnion continues to report accounts already corrected by XXXX  and XXXX, proving their reporting is false. 
This misconduct constitutes willful noncompliance under FCRA 616, exposing TransUnion to statutory, actual, and punitive damages, as well as attorneys fees. 
Final Demand : I demand immediate permanent deletion of all items listed above. This is not a reinvestigation request. It is a demand for correction under the law. Continued reporting of these accounts will result in escalation through a CFPB complaint ( this letter is attached as evidence ) and private arbitration under TransUnions consumer agreement. 
You are hereby placed on notice. Failure to comply will be documented as deliberate violations of the FCRA.

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