Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Formal Dispute of XXXX  Account Reporting Demand for Verification Account Nos. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am formally disputing the continued reporting of the above-referenced account, XXXX, under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

This is not my first dispute. I previously requested verification and documentation that would establish that I have a valid and legally binding contract with XXXX. To date, no such verification has been provided. Despite this failure, you continue to report this account, including derogatory notations of 30 days late and 60 days late. 

This is unacceptable and violates several provisions of the FCRA : Accuracy and Completeness ( FCRA 1681e ( b ) ) Credit reporting agencies and furnishers must ensure that information reported is accurate and not misleading. Reporting late payments without proof of contractual obligation or payment history fails this requirement.

Duty to Investigate and Respond ( FCRA 1681i ) When a consumer disputes information, the furnisher and credit bureau must conduct a reasonable reinvestigation and provide supporting documentation. Simply verifying through automated systems without providing contracts or account-level records does not satisfy this legal duty. 

Reporting of Late Payments If a creditor reports a late payment, they must retain supporting account documentation to substantiate such a claim, including signed agreements, billing statements, and actual payment histories. None of this has been provided to me. 

By law, I am entitled to see the original signed contract or other documents proving that this is a valid account belonging to me and that any late payments reported are factual and accurate. Without such documentation, you have no legal basis to continue reporting this account or any derogatory marks associated with it. 

Accordingly, I demand the following : Immediate deletion of this account from my credit file if you can not provide the original contracts and complete payment history proving its validity ; If you insist on continuing to report, provide me with all documentation supporting this reporting, including contracts, account statements, and proof of each alleged late payment ; A corrected update to all three credit bureaus removing any inaccurate or unverifiable late payment history. 

If these actions are not taken, I am prepared to pursue all available remedies under the FCRA, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Georgia Attorney General, as well as initiating civil action for damages caused by this negligent and inaccurate reporting. 

I expect a complete response within the timeframe required by law. 

Respectfully,

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