Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX ) XXXX XXXX Date : XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute, Deletion Demand, Address Correction & Cease and Desist Violations of FCRA ( 15 U.S. Code ) To Whom It May Concern, This is a formal written dispute and cease and desist notice regarding inaccurate, unverifiable, and damaging information in my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. 

Address Correction All Others Must Be Removed My only current and valid address is : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX You are required to delete any and all other addresses immediately. Reporting outdated or incorrect addresses violates : FCRA 1681e ( b ) Reasonable procedures must be used to assure maximum possible accuracy. 

FCRA 1681i ( a ) Credit reporting agencies must reinvestigate and correct inaccurate personal information.

FCRA 605 ( h ) Address discrepancy procedures must be followed and corrected.

Disputed Accounts DEMAND FOR DELETION I dispute the following accounts and demand their immediate deletion due to inaccuracies, insufficient verification, and violations of federal consumer law. Continued reporting is causing emotional and financial harm. 

XXXXXXXX XXXX / XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Paid, Closed ; Paid as agreed. 

Violation : Reporting closed/paid as negative misrepresents status.

Violates : FCRA 1681e ( b ) Inaccurate continued negative reporting FCRA 1681i Failure to reinvestigate upon dispute FCRA 1681s-2 Inaccurate info furnished after being disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Paid, Closed ; Paid as agreed Same violations as above XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX Status : Charge-Off, balance reported No proper validation or chain of custody Violates : FCRA 1681e ( b ), 1681i, 1681s-2 Reporting of inaccurate balance and status XXXX XXXX XXXX Acct # : XXXX XXXX XXXX Status : Paid, Closed ; Paid as agreed Continued listing of this account under derogatory category is misleading Violates : FCRA 1681e ( b ), 1681i, 1681s-2 False impression of defaulted/negative history XXXX  Acct # : XXXXXXXX XXXX XXXX Status : Paid, Closed Reporting in a manner that appears derogatory despite being settled Violates : FCRA 1681e ( b ), 1681i, 1681s-2 Financial and Emotional Harm These false and misleading entries are causing : Repeated denials for credit Higher interest rates Emotional distress, XXXX, and reputational damage Under FCRA 616 & 617, I may pursue civil damages for willful or negligent violations, including compensation for emotional distress. 

Cease and Desist Final Warning Unless you provide full, legal documentation that verifies these accounts ( including original contracts, full payment records, and account ownership ), I demand you CEASE AND DESIST from further reporting. 

You are prohibited from continuing to furnish negative information without full and verified documentation. 

15-Day Compliance Demand You are hereby given 15 days to : Delete all disputed accounts listed above Remove all inaccurate past addresses Provide written confirmation of actions taken

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