Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear TransUnion, I am writing to formally dispute multiple inaccuracies and unauthorized inquiries on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I request an immediate reinvestigation and correction of the following erroneous accounts and inquiries. 

XXXX. XXXX XXXX XXXX XXXX discrepancy : TransUnion is reporting the account as XXXX XXXX past due, while XXXX is reporting it as a repossession. This inconsistency must be corrected. 
XX/XX/XXXX XX/XX/XXXX : Shows on-time payments, except XXXX & XXXX, which show ND ( No Data ) this is incomplete and must be updated accurately. 
XXXX reports a different timeline for XXXX : XX/XX/XXXX : Paid on time, yet XXXX XX/XX/XXXX show XXXX XXXX late consecutively, which is impossible. 
XX/XX/XXXX : XXXX XXXX late XXXX XX/XX/XXXX : XXXX XXXX late consecutivelythis is also impossible and contradicts XXXX report. 
I request an immediate correction of this account to ensure accuracy across credit bureaus. 

XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) This account was previously removed by XXXX and must also be removed from TransUnion. 
It is still incorrectly reflecting as an open collection account and showing charged-off payment history, which is inaccurate. 
I request immediate deletion of this account. 

XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) This collection account is still reporting as open, which is incorrect. 
Additionally, it is reporting charged-off payment history, which is not applicable to collection accounts under FCRA regulations XXXX 
I demand an immediate deletion of this inaccurate account. 

XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) This collection account is reporting as open, which must be corrected. 
The account also incorrectly includes charged-off payment history, which is not permissible for collection accounts. 
I request an immediate deletion of this inaccurate account. 

XXXX. Dispute of XXXX Unauthorized Hard Inquiries Under FCRA, 15 U.S.C. 1681b ( f ), no company is allowed to access my credit report without my express authorization or a permissible purpose. The following unauthorized hard inquiries must be removed immediately : 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 XXXXXX/XX/XXXX These inquiries were not authorized by me, and under FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I request a reinvestigation and immediate removal of these inquiries from my credit report. 

Please remove 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

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