Consumer complaint received 2025-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
FCRA 609 / 611 Verification & Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX GA, XXXX TRANSUNION XXXX XXXX, XXXX, PA XXXX Consumer Assistance XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

RE : Request for Verification & Dispute of Inaccurate Account Reporting Under FCRA XXXX09, 611, and 623, This letter is a formal request for verification and investigation under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) concerning the following account ( s ) appearing on my credit report : Creditor/Furnisher ( s ) Name ( s ) : Chase______XXXX XXXX  Reported : XXXX XXXX, XXXX {$1700.00} Closed XXXX  Reported : XXXX XXXX, XXXX {$0.00} XXXX Reported : XXXX. XXXX, XXXX {$0.00} Closed XXXX  XXXX Reported : XXXX XXXX, XXXX {$820.00} Needs Attention XXXX  XXXX Reported : XXXX XXXX, XXXX {$710.00} Needs Attention XXXX OF XXXX XXXX XXXX XXXX XXXX, XXXX {$500.00} Needs Attention Reported Status : 30,60,90 Day Late Penalty, Closed, and or in Collections I am exercising my right under 609 ( a ) ( 1 ) to request full disclosure of all information you have in my file concerning this account, including : 1. The name and address of the original furnisher and any subsequent data furnishers ; 2. Copies of all documentation or electronic data provided by the furnisher to verify the accuracy of this account ; 3. The date the account was first reported and the method used to verify its current status ; and 4. Any correspondence or records showing that you verified this information with the furnisher as required under FCRA 611 ( a ) ( 2 ).

If the information you are reporting can not be verified, documented, or authenticated, you are required under FCRA 611 ( a ) ( 5 ) ( A ) to delete the account and all associated data from my file immediately. 
Furthermore, please ensure that any reporting complies with the XXXX XXXX Format standards required by the Consumer Data Industry Association ( CDIA ). If the account is not delinquent, or if a 90-day past-due status is being inaccurately coded, it must be corrected or removed pursuant to FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), which require furnishers to report accurate and complete information. 
Please respond within 30 days of receipt of this letter with either : - The full documentation verifying this accounts accuracy, or - Written confirmation that the account has been deleted. 
Thank you for your prompt attention. Please mail your written response to the address above. Sincerely, XXXX XXXX FCRA & XXXX XXXX Reference Codes Summary FCRA 609 ( a ) ( 1 ) : Right to request disclosure of all information in my file. FCRA 611 ( a ) ( 1 ) ( A ) : Right to dispute incomplete or inaccurate information. FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers must report accurate information. 
FCRA 611 ( a ) ( 5 ) ( A ) : Unverified information must be deleted. 
XXXX XXXX Data Fields : Account Type : R = Revolving ( credit card ) Account Status Code : 11 = Current, 71 = 30 Days Late, 78 = 60 Days, 80 = 90 Days Payment Rating : 0 = Current, 1 = 30 Days, 2 = 60 Days, 3 = 90 Days Date of First Delinquency ( DOFD ) : Fixed ; can not be changed once reported Compliance Condition Code : XXXX  = Under dispute Payment History Profile : Must accurately reflect monthly status Consumer Information Indicator : XXXX  = Dispute under investigation Red Flags : 0 Balance + 90 Days Late = Reporting Conflict Status Date or DOFD incorrect = Unverifiable Dispute flag ( XXXX  ) missing during dispute = FCRA Violation

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