Consumer complaint received 2025-12-09 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: FL

Complaint narrative:
I am submitting this formal dispute and demand for deletion of all inaccurate, unverifiable, outdated, unauthorized, or fraudulent information currently reporting on my TransUnion credit file.

Under FCRA 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation. The items disputed below can not be verified by the original furnisher and must be deleted within seven ( 7 ) days.

Additionally, under FCRA 1681e ( b ), TransUnion must maintain maximum possible accuracy. The reporting of the disputed items below violates federal law and continued reporting after notice constitutes willful non-compliance under FCRA 616 and negligent non-compliance under 617. ITEMS DEMANDED FOR DELETION IMMEDIATELY ( 7-DAY DEADLINE ) 1 Unauthorized / Multiple / Fraudulent Hard Inquiries Violations : FCRA 604, 606, 607 ( a ), 1681b ( f ) No permissible purpose was granted for these inquiries, and TransUnion must delete them when the furnisher can not provide written authorization : XXXXXXXX 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 XXXX XXXX : If no signed application exists inquiry must be deleted within 7 days per your FCRA obligations. 



XXXX Inaccurate Late Payments on Closed Accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Violations : FCRA 1681s-2 ( a ) ( 1 ) ( A ) : furnishing information known to be inaccurate FCRA 1681i ( a ) : failure to properly investigate FCRA 1681e ( b ) : failure to assure maximum accuracy CFPB XXXX TransUnion ( XXXX ) : Pattern of reporting inaccurate data XXXX XXXX  These accounts are closed, paid, or contain wrong dates, duplicate remarks, incorrect delinquency, incorrect past-due balances, and misstated worst payment status. 



Closed accounts can not continue updating derogatory data. 

Any reinvestigation must be deleted if the furnisher can not provide full payment history, original records, and proof of accuracy. 



You are required to delete ALL late payments and ALL derogatory remarks that can not be fully verified. 



XXXX Charge-Off Reporting Violations XXXXXXXX XXXX Your reporting shows : Balance : {$5500.00} Status : Charge-off Repeated derogatory cycles beyond the date of closure This violates : FCRA 623 ( a ) ( 5 ) FCRA 605 ( a ) ( 4 ) ( reporting obsolete adverse information ) FCRA 623 ( a ) ( 1 ) ( A ) ( knowingly inaccurate info ) You MUST delete the charge-off AND associated late payments if documentation can not be supplied. 



LEGAL NOTICE If TransUnion fails to delete or correct the above items within 7 days, I will proceed with : Filing a CFPB complaint Filing an FTC complaint Filing a Civil Claim for damages under : FCRA 616 Willful Non-Compliance FCRA 617 Negligent Non-Compliance You are now on official notice.

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