Consumer complaint received 2025-05-16 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: OH

Complaint narrative:
To Whom It May Concern, I am writing to dispute inaccurate and potentially fraudulent information currently being reported by XXXX  on my consumer credit file. I am formally requesting the immediate deletion of the following accounts and inquiries, which are either inaccurate, unverifiable, duplicated, or unauthorizedand in some cases, violate multiple consumer protection statutes.

I am including notice that XXXX  may be in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Gramm-Leach-Bliley Act ( GLBA ), and applicable identity theft and privacy laws. This letter serves as my formal dispute and demand for reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ).

Accounts I Am Disputing Due to Inaccuracy or Legal Violations : XXXX XXXX XXXX  These are improperly duplicated, misreported, and negatively impacting my report with late payments. 

# XXXX Opened : XX/XX/XXXX High Credit : {$2000.00} Late Payment # XXXX Opened : XX/XX/XXXX High Credit : {$250.00} Late Payment # XXXX Opened : XX/XX/XXXX High Credit : {$2000.00} Late Payment # XXXX Opened : XX/XX/XXXX High Credit : {$1700.00} Late Payment # XXXX Opened : XX/XX/XXXX High Credit : {$3500.00} Late Payment # XXXX Opened : XX/XX/XXXX High Credit : {$3500.00} Late Payment # XXXX Opened : XX/XX/XXXX High Credit : {$4000.00} Late Payment # XXXX Opened : XX/XX/XXXX High Credit : {$1000.00} Late Payment # XXXX Opened : XX/XX/XXXX High Credit : {$1700.00} Late Payment Duplicate : XXXX XXXX # XXXX High Credit : {$1700.00} Late Payment XXXX XXXX XXXX XXXX XXXX # XXXX High Credit : {$1500.00} Late Payment XXXXXXXX XXXX XXXXXXXX ( XXXX Creditor : XXXX  ) # XXXX Opened : XX/XX/XXXX High Credit : {$84.00} Collection XXXX XXXX XXXXXXXX Opened XXXX XX/XX/XXXX High Credit : {$320.00} Charge Off XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XXXX XX/XX/XXXX High Credit : {$11000.00} Charge Off XXXX XXXX XXXX ( Original Creditor : XXXX  XXXXXXXX XXXX ) # XXXX Opened : XX/XX/XXXX High Credit : {$1400.00} Collection Unauthorized or Fraudulent Inquiries : The following hard inquiries were not authorized by me and constitute a violation of my rights under the FCRA and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Hard inquiries require explicit consumer consent. No such authorization was provided, and these inquiries are now part of an identity theft and unauthorized access complaint I am submitting to the FTC. 

Legal Violations Cited : FCRA 1681i & 1681s-2 Failure to investigate and remove inaccurate data FDCPA 809 Failure to validate debts FCRA 623 ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors XXXX XXXX Unauthorized sharing of personal financial information 18 U.S. Code 1028/1029 Identity theft and fraudulent access Demand for Resolution : Remove all the accounts and inquiries listed above from my XXXX  credit file. 

Provide a written response within 30 days of receipt of this letter confirming the results of your reinvestigation. 

If you fail to comply, I will proceed with complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and consider legal action under 15 U.S.C. 1681n. 

This is your final opportunity to resolve this matter before further escalation. 

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 non-monetary relief