Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Date : XX/XX/XXXX VIA EMAIL ONLY XXXX XXXX XXXX XXXX, Chief XXXX XXXX & CFPB XXXX, XXXX XXXX XXXX TransUnion LLC XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Re : Formal Demand for Immediate Deletion of Inaccurate and Aged-Off Accounts FCRA, FDCPA, and California Law Violations Dear XXXX XXXX & XXXX XXXX : I write to you today and hereby engage CFPB regarding several accounts presently reporting on my TransUnion consumer credit file which are factually inaccurate, improperly dated, and/or have exceeded their allowable reporting periods under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, as well as applicable California state law. Despite repeated disputes and documented requests since XX/XX/XXXX, neither TransUnion nor the furnishers have provided me with any verifiable documentation establishing the true Date of First Delinquency XXXX XXXX  ). 



Per my own detailed records and spreadsheets, the XXXX for each account places them well beyond the statutory reporting limits XXXX XXXX XXXX XXXX  and/or within TransUnions own XXXX XXXX policies. Accordingly, I hereby demand immediate deletion of the following accounts from my TransUnion credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported as delinquent charge off monthly ; must be removed immediately as the XXXX is misreported and the account qualifies for Early Exclusion. 

XXXX XXXXXXXX XXXX XXXX ( past due {$9600.00} ) Same violations as above : XXXX misreported and account qualifies for Early Exclusion. 

XXXX XXXX XXXX XXXX XXXX Same reasons as cited above. 

XXXX XXXX My records reflect XXXX aging this account off by XX/XX/XXXX. No contrary documentation has been produced, and I demand immediate removal as such. 




To reiterate, no documentation has ever been provided by TransUnion or the furnishers to substantiate the contradictory delinquency dates now reported. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( FCRA Reinvestigation Requirement ) and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( Duty of Furnishers to Report Accurately ), you are obligated to delete or correct inaccurate, unverifiable, or outdated information. 



Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, reporting of false or misleading credit information is unlawful. California law further strengthens these protections : California Consumer Credit Reporting Agencies Act ( CCRAA ), XXXX. XXXX. XXXX XXXX, requires deletion of accounts where the XXXX exceeds XXXX years. 
California XXXX Fair Debt Collection Practices Act ( XXXX. XXXX. Code XXXX ) incorporates FDCPA protections against misreporting and collection abuses. 
Under the Unfair Competition Law ( XXXX. XXXX. & XXXX XXXX XXXX ), TransUnion XXXX not engage in unfair or deceptive acts, including refusal to correct or delete legally obsolete tradelines. 




Demand : I hereby demand that TransUnion immediately delete the above trade lines pursuant to FCRA, FDCPA, XXXX, and your own Early Exclusion procedures. 



Notice of Escalation : Absent written confirmation of deletion within XXXX ( XXXX ) business days, I will escalate this matter through the following channels without further notice : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) assigned Enforcement Investigator, seeking enforcement action. 
Requesting XXXX XXXX XXXX office to intervene in this matter on my behalf given the continued reporting of unlawful and inaccurate data. 
Submitting a state-level enforcement complaint through XXXX XXXX XXXX XXXX XXXX 
Evaluating civil remedies available to me under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX FDCPA ), both of which provide for statutory damages, attorneys fees, and costs. 




I remain hopeful TransUnion will resolve this matter informally and expediently. However, my demand is clear : these accounts must be removed from my file immediately and urgently prior to further escalations of this matter which has been ongoing for several months at this stage. 



Please confirm deletion in writing to me at your earliest opportunity, and thank you kindly in advance for your immediate engagement and response. 



Respectfully, 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 explanation