Consumer complaint received 2025-08-18 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: NY

Complaint narrative:
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 To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Reporting Account : XXXX XXXX XXXX XXXXXXXX ) To Whom It May Concern, I am formally disputing the accuracy and completeness of the above-referenced account reported by TransUnion. This account contains material inconsistencies and inaccuracies that violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Inconsistencies Identified in TransUnions Reporting : XXXX of Last Activity TransUnion reports XX/XX/XXXX. I have not made any payments, activity, or contact regarding this account in XXXX. This is a materially inaccurate reporting of account activity. 

2.Monthly Payment TransUnion reports {$0.00} as the monthly payment. A gym membership debt allegedly owed can not logically have a {$0.00} monthly payment while showing a balance. This is inconsistent, misleading, and fails to reflect actual terms.

3.Account Status TransUnion reports the account as Open. An account allegedly in collections can not simultaneously be reported as open. This is contradictory and misleading to creditors and lenders reviewing my file. 

4.Payment History TransUnion reports no history is available. The lack of historical data, while still reporting activity and status, demonstrates incomplete reporting and failure to assure maximum possible accuracy.

Legal Basis for Dispute : FCRA 1681i ( a ) requires a reasonable reinvestigation of disputed items.

FCRA 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. Reporting contradictory and incomplete information violates this section. 
FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know is inaccurate.

Disputes submitted via CFPB.gov are to be treated no differently than direct disputes under 623 ( a ) ( 8 ). 

In XXXX XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the court ruled that a reasonable reinvestigation requires more than parroting a furnishers datait requires independent verification. 

In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), courts confirmed that materially misleading information constitutes an FCRA violation even if technically accurate. 

Demands : XXXXonduct an immediate reinvestigation of this account under 1681i ( a ).

If verified, provide a detailed Method of Verification ( MOV ) under 1681i ( a ) ( 6 ) ( B ) ( iii ) within 15 days of verification.

Correct or delete all inaccurate, incomplete, and misleading information from my TransUnion credit file within 30 days, as required by law.

Preservation of Rights : Please be advised that failure to comply will constitute willful and negligent violations under FCRA 1681n and 1681o, subjecting TransUnion to damages, attorneys fees, and costs. I reserve all rights to pursue legal remedies if compliance is not met. 

I expect confirmation of your reinvestigation results mailed to my address within statutory deadlines. 

Sincerely, 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 explanation