Consumer complaint received 2025-08-13 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Phone : ( XXXX ) XXXX Email : XXXX SSN ( Last Four ) : XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Inaccurate & Inconsistent Reporting of XXXX XXXX  Account Whom It May Concern, I am submitting this dispute under my rights established by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x, including : 1681e ( b ) Duty to assure maximum possible accuracy 1681i Reinvestigation of disputed information 1681s-2 ( a ) ( 8 ) Equal treatment of indirect disputes submitted through the XXXX portal and direct disputes Upon reviewing my TransUnion credit report, I have identified multiple factual errors in the reporting of the account listed as XXXX XXXX, Account # XXXX. These inaccuracies are material, create a misleading credit profile, and constitute violations of the FCRA and relevant CFPB and FTC guidance.

1. Date of Last Activity Misrepresentation Reported by TransUnion : XX/XX/XXXX Fact : I have made no payments, arrangements, or consumer-initiated activity on this account in XXXX. 
Artificially updating the Date of Last Activity without permissible purpose may be considered illegal re-aging, a violation of 605 ( a ) and relevant FTC guidance ( FTC Staff Opinion Letter to FCRA Compliance, XXXX ). 

2. Missing Term/Source Type Reported : Blank This omission violates 609 ( a ) ( 1 ), which requires credit reporting agencies to maintain complete account details and identify sources of information. 

3. Logical Inconsistency Status vs. Current Rating Current Rating : Collection/Charge-off Status : Open An account can not simultaneously be open and charged-off. Such contradictory reporting fails the maximum possible accuracy standard under 1681e ( b ). 
Case Law : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) contradictory account statuses require correction or deletion. 

4. Payment History Data Gap Reported by TransUnion : No history available It is unreasonable and misleading to report a derogatory rating without providing the factual payment history to substantiate it, violating 1681i ( a ) ( reasonable reinvestigation ) and CFPB XXXX XXXX ( furnisher accuracy obligations ). 

Requested Action : Pursuant to FCRA 611 ( a ), I demand : A full reinvestigation and resolution within 30 days of your receipt of this dispute.

If verified as accurate, a Method of Verification under 1681i ( a ) ( 6 ) ( B ) ( iii ) to be provided within 15 days of verification, including : Name and contact information of the furnisher/verifier Detailed explanation of how the account was verified Specific documentary evidence relied upon If this account can not be verified with complete factual accuracy, it must be deleted entirely from my TransUnion credit file.

Preservation of Rights : This letter does not waive any of my legal rights or remedies under federal or state law. I reserve the right to take legal action, including seeking statutory and actual damages and attorneys fees, if violations continue.

Enclosures : Copy of State-issued ID ( Proof of Identity ) Recent Bank Statement ( Proof of Address ) Screenshot of TransUnion report showing disputed entries Sincerely, 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