Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN ( Last 4 ) : XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Re : Formal Dispute XXXX XXXX Account # XXXX Dispute Type : Inaccurate and Inconsistent Reporting To Whom It May Concern : This is a formal dispute under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) regarding the XXXX XXXX account listed above. The information you are reporting is factually inaccurate and inconsistent across the three major credit bureaus. 

Documented Inconsistencies : 1. Balance : XXXX  {$1400.00} / Credit Limit {$0.00} XXXX {$1400.00} / Credit Limit {$1000.00} XXXX  {$1400.00} / Credit Limit {$1000.00} XXXX. Date of Last Activity : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. Account Type : XXXX Credit Card XXXX XXXX XXXX Credit Card XXXX. Remarks : XXXX  Blank XXXX Charged Off Account XXXX  Unpaid balance reported as a loss by... 

XXXX. XXXX XX/XX/XXXX Late : XXXX XX/XX/XXXX ( factually impossible ) XXXX  XXXX ( factually impossible ) XXXX  XXXX XXXX. High Balance : XXXX {$1400.00} XXXX {$1000.00} XXXX  {$0.00} XXXX. High Credit : XXXX {$0.00} XXXX {$0.00} XXXX  {$1000.00} 7. Payment History : XXXX No history available EQ 79 % of payments made on time XXXX  16 % of payments made on time Legal Basis for Dispute : FCRA 602 ( 15 U.S.C. 1681 ) All reporting must be fair, accurate, and equitable.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) CRAs must follow reasonable procedures to assure maximum possible accuracy.

FCRA 611 ( 15 U.S.C. 1681i ) Requires reinvestigation of disputed information and deletion if unverifiable. 
Cushman v. TransUnion Corp., 115 F.3d 220 ( XXXXXXXX XXXX XXXXXXXX ) CRA must conduct a reasonable investigation and not simply rely on the furnisher. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX. XXXX ) Contradictory reporting violates the FCRAs accuracy requirements. 

Additional Requirements & CFPB Clarification : This dispute is submitted via CFPB.gov and is subject to the same FCRA obligations as a direct dispute. Per FCRA 611 ( a ), CRAs must reinvestigate and respond within 30 days regardless of submission channel.

A CFPB-submitted dispute must be handled no differently than a direct dispute ; failure to do so constitutes a violation of the FCRA. 

If you verify this account as accurate, I formally demand a Method of Verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), including : Name, address, and contact information of the furnisher.

Copies of all records relied upon in the reinvestigation. 
A full description of the investigation process used. 

Do not send a generic response. A one-line verified notice without documentation is noncompliant per Cushman v. TransUnion and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 
Demand for Resolution : Given the extensive inconsistencies and factual impossibilities in how this account is reported, I demand immediate deletion of this account from my credit file unless verifiable, accurate documentation is provided within 30 days as required by law. 

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