Consumer complaint received 2025-08-27 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: MI

Complaint narrative:
# TRANSUNION CREDIT DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX * * [ XXXX XXXX, XXXX * * TransUnion LLC * * * * Consumer Dispute Center * * * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX * * * * RE : FORMAL DISPUTE UNDER 15 U.S.C. 1681i - FCRA COMPLIANCE REQUIRED * * * * TransUnion File Number : * * [ XXXX * * Date of Birth : * * [ XX/XX/XXXX * * Social Security Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXeport Date : * * [ XXXX # # NOTICE OF DISPUTED INFORMATION AND LEGAL VIOLATIONS Dear TransUnion Dispute Resolution Team, This letter constitutes formal notice of disputed tradelines on my TransUnion credit report and serves as demand for compliance with federal law requirements under the Fair Credit Reporting Act ( FCRA ). 

# # CONSUMER IDENTIFICATION VERIFICATION To verify my identity for this dispute : - Full Legal Name : [ Your Full Name as it appears on credit report ] XXXX XXXX - Current Address : [ Your Current Address ] XXXX XXXX XXXX XXXX - Date of Birth : [ XXXX - Social Security Number XXXX XXXX XXXX XXXX XXXX XXXX DISPUTED ACCOUNTS - ACCURACY CHALLENGES # # # ACCOUNT XXXX : [ XXXX XXXX # XXXX * * * * * * TransUnion Account Reference : * * [ Account number as shown on XXXX report ] XXXX * * Current Status : * * Charge-off - {$700.00} * * Date Opened : * * XX/XX/XXXX * * Date Closed : * * XX/XX/XXXX * * SPECIFIC DISPUTES UNDER 15 U.S.C. 1681e ( b ) : * * 1. * * Mathematical Inaccuracy Challenge : * * - Original balance reported as {$630.00} - Charge-off amount shows {$700.00} - * * DEMAND : * * Documentation showing how {$630.00} became {$700.00} - * * LEGAL BASIS : * * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRA must XXXX mathematical accuracy XXXX. * * Date of First Delinquency ( DOFD ) Verification Required : * * - Charge-off date must correspond to actual DOFD per Metro XXXX XXXX - * * DEMAND : * * Original creditor documentation establishing true DOFD - * * LEGAL BASIS : * * Regulation V, XXXX XXXX XXXX XXXX. * * Payment History Accuracy : * * - Payment history shows pattern inconsistent with my records- * * DEMAND : * * Month-by-month payment verification from original creditor - * * LEGAL BASIS : * * XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) reasonable investigation requirement # # # ACCOUNT XXXX : XXXX XXXX XXXX  TransUnion Account Reference : * * [ Account number as shown on XXXX report ] # XXXX * * Current Status : * * Charge-off - {$660.00} * * Date Opened : * * XX/XX/XXXX * * Estimated Removal : * * XX/XX/XXXX * * SPECIFIC DISPUTES UNDER XXXX U.S.C. XXXX : * * XXXX. * * Impossible Future Date Error : * * - Report shows " Payment Received : XX/XX/XXXX '' - * * FACTUAL IMPOSSIBILITY : * * Can not receive payment on future date - * * IMMEDIATE Deletion REQUIRED : * This violates basic accuracy standards- * * LEGAL BASIS : * * XXXX U.S.C. XXXX ( b ) reasonable procedures requirement XXXX. * * Data Furnisher Verification Challenge : * * - * * DEMAND : * * Proof thaXXXX XXXX  has legal right to report - * * DEMAND : * * Original contract and assignment documentation - * * LEGAL BASIS : * * * XXXX XXXX XXXX XXXX XXXX XXXX must verify reporting authority XXXX XXXX * * Charge-off Calculation Verification : * * - * * DEMAND : * * Documentation supporting {$660.00} charge-off amount - * * DEMAND : * * Complete payment history from account inception - * * LEGAL BASIS : * * Fair Credit Reporting Act accuracy requirements # # TRANSUNION 'S LEGAL OBLIGATIONS XXXX * Under 15 U.S.C. 1681i, TransUnion must : * * 1. * * Reasonable Investigation ( 1681i ( a ) ( 1 ) ( A ) ) : * * - Forward dispute details to data furnisher within 5 business days - Review all relevant information provided by consumer - Conduct investigation beyond automated verification ( * XXXX XXXX Trans Union * ) XXXX. * * XXXX Standards ( XXXX ( b ) ) : * * - Maintain reasonable procedures for maximum possible accuracy - Can not rely solely on data furnisher confirmation ( * XXXX XXXX XXXX XXXX XXXX  - Must independently verify disputed information when challenged XXXX. * * Investigation Timeline ( XXXX ( a ) ( XXXX ) ( A ) ) : * * - Complete investigation within 30 days of receipt - Extend to 45 days only if additional relevant information provided - Provide written results including basis for determination # # REQUIRED VERIFICATION DOCUMENTATION * * TransUnion must obtain from data furnishers : * * * * For Both Accounts : * * - Original signed contracts or loan agreements- Complete payment histories from account inception to charge-off - Mathematical calculations supporting all reported balances - Chain of title documentation if debt was assigned/sold - Internal procedures used for previous " verification '' * * For Account XXXX Specifically : * * - Documentation explaining balance increase from {$630.00} to {$700.00} - Original creditor 's charge-off calculation methodology - Proof of final account statement accuracy * * For Account XXXX Specifically : * * - Correction of impossible future payment date ( XX/XX/XXXX ) - Current account holder verification and reporting authority - Validation of estimated removal date calculation # # PREVIOUS DISPUTE FAILURE ANALYSIS Both accounts show " VERIFIED AS ACCURATE '' notations, indicating previous disputes. However : - * * No substantive documentation was provided * * supporting verification - * * Automated verification insufficient * * under * XXXX XXXX XXXX XXXX * - * * Future date error proves inadequate investigation * * occurred - * * Mathematical inaccuracies remain unaddressed * * * * Legal Standard : * * * XXXX XXXX XXXX XXXX * - reasonable investigation requires substantive review, not mere confirmation. 

# # DEMAND FOR COMPLIANCE * * Within 30 Days, TransUnion Must : * * XXXX. * * XXXX Reasonable Investigation : * * Following federal court precedent requiring substantive verification 2. * * Obtain Required Documentation : * * Listed above from each data furnisher 3. * * Delete : * * Any information that can not be completely verified as accurate 4. * * Provide Written Results : * * Including specific basis for conclusions and updated credit report # # ALTERNATIVE COMPLIANCE If data furnishers can not provide complete verification documentation, * * 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) mandates immediate deletion * * of disputed information.

# # NOTICE OF POTENTIAL FEDERAL VIOLATIONS * * Willful Non-Compliance Damages ( 15 U.S.C. 1681n ) : * * - Statutory damages : {$100.00} - {$1000.00} per violation - Punitive damages for willful violations - Attorney fees and costs * * Negligent Non-Compliance ( 15 U.S.C. 1681o ) : * * - Actual damages for CRA negligence - Court costs and reasonable attorney fees # # COMMUNICATION REQUIREMENTS- All responses must be in writing - Provide complete investigation results- Include updated credit report if changes made - Send to address listed above via first-class mail # # DOCUMENT PRESERVATION NOTICE This letter serves as notice to preserve all documents related to : - This dispute investigation - Previous dispute investigations on these accounts - Communications with data furnishers - Internal investigation procedures and results * * Destruction of relevant documents XXXX constitute spoliation of evidence. * * # # TIME-SENSITIVE COMPLIANCE DEMAND Your XXXX investigation period under federal law begins upon receipt of this certified letter. Failure to comply with FCRA requirements XXXX result in federal court action seeking damages and injunctive relief. 

I request immediate compliance with these federal law requirements and look forward to receiving proper verification documentation or deletion of inaccurate information. 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ENCLOSURES : Copy of TransUnion Credit Report ( disputed items highlighted ) Government-issued Photo ID ( copy ) Proof of Current Address ( utility bill, bank statement, etc. ) Affidavit in Support of Dispute ( if prepared ) Previous Dispute Correspondence ( if any

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