Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date of Birth : XX/XX/XXXX SSN ( Last 4 Digits ) : XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX To : TransUnion Via Online Dispute Portal or Certified Mail Re : Dispute of Alleged Collection Account XXXX/ XXXX XXXX  Account Number : XXXX Dear TransUnion, This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding the accuracy and legitimacy of a tradeline on my credit report from XXXX, referencing original creditor XXXX XXXX. I am requesting a full reinvestigation of this account and its removal if it can not be verified with complete and accurate documentation. 

I do not recall any business relationship with XXXX XXXX or XXXX, and I have never authorized or initiated any activity on XX/XX/XXXX, which is listed as the last activity date. Therefore, I am exercising my rights under the FCRA to challenge this account. 

Inconsistencies & Violations ( By Numerical Format ) : Date of Last Activity TransUnion reports : XX/XX/XXXX I have never engaged in any activity with this creditor on this or any other date. 

Account Rating and Status Current Rating : Collection/Charge-Off Status : Open Comments : Placed for Collection These statuses are mutually exclusivean account can not be in Open status while simultaneously charged off or in collection. 

Payment History TransUnion reports : No history available Reporting a charge-off or delinquency without supporting history violates FCRA 607 ( b ), which mandates maximum possible accuracy.

Missing Required Data No 30/60/90-day late breakdown is shown A tradeline in collection should have an explanation of delinquency history, especially if negative information is being used to harm my credit profile.

FCRA Violations & Legal Support : FCRA 607 ( b ) : Credit bureaus must use reasonable procedures to assure the maximum possible accuracy of consumer information. Reporting conflicting or incomplete data ( e.g., open status + charge-off ) is unlawful.

FCRA 611 ( a ) : You are required to conduct a reasonable reinvestigation and remove unverifiable or incorrect information within 30 days.

FCRA 609 ( a ) ( 1 ) : I have a right to all information in my file, including the original documents and method of verification. 

XXXX v. TransUnion, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : The CRA can not simply verify with the furnisherit must investigate with due diligence. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Conflicting tradeline elements are evidence of inaccuracy, and CRAs are responsible for maintaining consistency. 

Formal Request : I demand the following under my rights granted by FCRA : Immediate deletion of this XXXX account if it can not be verified with complete and consistent documentation. 

If verified, provide the Method of Verification ( M.O.V. ), including : Name and contact of the person or entity who verified the data Verification method used Source documents relied upon If this account can not be verified with specific documentation and consistency, it must be removed from my credit report immediately as required by federal law.

Enclosures : Copy of my state-issued ID Recent utility bill as proof of address Highlighted credit report inconsistencies for reference Please conclude your reinvestigation within the legally mandated 30-day window. 

Sincerely, 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