Consumer complaint received 2025-08-06 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX IL XXXX SSN : * -- XXXX XXXX : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Subject : Formal Dispute Inaccurate, Misleading, and Unverifiable Information on My TransUnion Credit Report Dear TransUnion Dispute Department , This is a formal dispute under the Fair Credit Reporting Act ( FCRA 611 & 609 ) regarding multiple accounts currently reporting on my credit file. These accounts contain inaccurate, incomplete, outdated, or unverifiable information, and are causing ongoing harm to my consumer profile. 

Please immediately reinvestigate, validate, or remove the following accounts : XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inconsistent open, activity, and report dates Charge-off notations re-aged past allowable time No documentation of balance or payment plan Conflicting classification and remarks I request the full name, department, and contact information of the individual who verified this account as accurate. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX months of charge-off notations ( illegal re-aging ) Missing payment history Unverified balance with no repayment terms Inconsistent closure rationale Provide the verifiers full identity and contact information under FCRA 611 ( a ) ( 7 ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX years of continuous charge-offs ( re-aging ) Conflicting balance and date information Disputed counseling remarks not supported No full validation provided Demanding identity and contact details of the individual who confirmed this tradeline. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Only reported to XXXX Closed and paid, but reports 60-day late No full documentation or payment history Who verified this as accurate and complete? Provide full contact details. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Conflicting balances and dates No payment history reported Not appearing on all three bureaus No proof of accounting Disclose the name, department, and contact number of the verifier. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXtatus differs between bureaus ( Open vs Closed ) Reporting collections and CO simultaneously Re-aging with monthly derogatory marks No validation of balance or sale Provide the name and office of the person who verified this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Conflicting high balances and report dates Missing payment history on TransUnion Remarks about counseling not validated Charge-off but no breakdown of balance I request written identification of the verifier of this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Paid and closed, but reporting 90-day lates post-closure No proof of delinquency Misclassified as credit card on TransUnion Payment history incomplete Provide identity and department of verifier under FCRA 611 ( a ) ( 7 ). 
XXXXXXXX XXXX XXXXepossession # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Misclassified as credit card Voluntary surrender, but still reporting repeated repossession marks No breakdown of balance, no sale or auction info provided Provide written documentation identifying the person who verified this tradeline. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported only to XXXX Paid in full but reporting a 60-day late No prior 30-day late history or default notice Incomplete and unverifiable I demand the name and contact information of the verifier. 
Action Requested Under FCRA 609 ( a ) ( 1 ) and 611, I request full validation of each item including : Original signed contracts Full payment history Charge-off ledger and accounting breakdown Collection assignment letters ( if applicable ) In addition, pursuant to FCRA 611 ( a ) ( 7 ), I am exercising my right to receive the name, title, department, and contact information of each person at TransUnion or the data furnisher who verified the accuracy of these accounts.

If these can not be provided within 30 days, the accounts must be permanently deleted from my credit report. 

Enclosed : Copy of my government-issued ID Proof of address Highlighted copy of credit report showing disputed accounts Thank you for your prompt attention to this matter. I expect a full written response, including validation and identity of all verifiers involved in this reinvestigation. 
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