Consumer complaint received 2025-06-21 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: NY

Complaint narrative:
Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX Phone : ( XXXX ) XXXX Email : XXXX SSN ( Last Four ) : XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Inconsistent & Inaccurate Account Reporting Dear Credit Bureau, This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding an account listed under my credit file with multiple factual inconsistencies between your reporting agencies. I am requesting a reinvestigation and full Method of Verification ( M.O.V ) only if the account is verified as accurate. Below are the specific factual discrepancies that violate multiple provisions of the FCRA : 1. Date of Last Activity Conflict TransUnion reports : XX/XX/XXXX Experian reports : XX/XX/XXXX A nearly six-year discrepancy in the last activity date indicates clear data inaccuracy.

Violation : FCRA 607 ( b ) Obligation to report maximum possible accuracy.

Violation : FCRA 605 ( a ) Potential illegal re-aging of the account.

2. Term/Source Type Field Blank on both TransUnion and Experian This omission violates the right to full and clear disclosure of data origin.

Violation : FCRA 609 ( a ) ( 1 ) 3. Account Status Discrepancy TransUnion : Status is listed as Open Experian : Status is listed as Charge-off An account can not legally be both open and charged off simultaneously.

Violation : FCRA 607 ( b ) 4. Comments Conflict TransUnion : " Placed for collection '' Experian : " Unpaid balance reported as a loss by credit grantor '' These remarks indicate differing narratives about the accounts collection and loss status.

Violation : FCRA 611 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable investigation.

5. Payment History Inconsistency TransUnion & Experian : Both report No payment history available If the account is allegedly delinquent or charged off, lack of payment history undermines its validity.

Violation : FCRA 607 ( b ) Requested Action Under the authority of FCRA 611 ( a ) : I am requesting a full Method of Verification ( M.O.V ) only if this account is verified as accurate.

If the account can not be verified with
100 % consistency and completeness, it must be permanently deleted from my credit file.

Relevant Case Law Cushman v. TransUnion, 115 F.3d 220 ( 3rd Cir. 1997 ) Credit bureaus must do more than a cursory check if a dispute involves factual discrepancies.

Richardson v. Equifax, 2004 Discrepancies between reports constitute a lack of maximum possible accuracy.

Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) Contradictory reporting may be viewed as willful noncompliance with the FCRA.

Attached Documents for Verification A copy of my State ID ( Proof of Identity ) A copy of a recent Utility Bill ( Proof of Address ) Highlighted screenshot of inconsistencies.

Please complete your reinvestigation within 30 days as required by FCRA 611 ( a ) ( 1 ) ( A ) and mail me your results and confirmation of any corrections or deletions. 

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