Consumer complaint received 2025-11-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am submitting this complaint to formally dispute and request investigation into inaccurate and misleading information being reported on my TransUnion credit report dated XX/XX/XXXX ( File No. XXXX ). These inaccuracies are negatively affecting my credit standing and appear to violate provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Below are the specific accounts I dispute : XXXX. XXXX ( formerly XXXX ) Account ending XXXX Listed as Voluntary Surrender, yet this vehicle was returned under a hardship agreement and should not be reflected as a derogatory remark. 

Request verification of the repossession status, date, and balance accuracy ( {$5400.00} as of XX/XX/XXXX ). 



XXXX. XXXX Account XXXX Reported as Charge-off with balance {$1500.00}, closed XX/XX/XXXX. 

This debt was settled and should reflect a Paid or Settled for less than full balance status. Please verify and correct. 



XXXX. XXXX XXXX Account XXXX Shows Sold ; was Charged-off with removal date XXXX/XXXX. 

This account was paid in full through the purchasing lender, and the derogatory status should be removed. 



XXXX. XXXX XXXX XXXX Account XXXX Listed as Collection, balance {$490.00}, original creditor XXXX XXXX XXXX XXXX. 

I have never received verification or notice of this debt, as required under the Fair Debt Collection Practices Act ( FDCPA ). Please require the furnisher to validate or delete this item. 



XXXX. XXXX XXXX XXXX XXXX XXXX & XXXX Both reported as XXXX accounts totaling over {$1500.00}, yet I have disputed these repeatedly with no supporting documentation provided by the furnisher. 



XXXX. XXXX XXXX Account XXXX XXXX {$9000.00} allegedly owed to XXXX XXXX XXXX. I do not recognize or owe this debt. 

I have previously contacted TransUnion regarding these discrepancies, but no satisfactory resolution was provided. I request that the CFPB investigate TransUnions compliance with the FCRAs accuracy and reinvestigation requirements, including : FCRA 611 ( 15 U.S.C. 1681i ) : Duty to conduct reasonable reinvestigation.

FCRA 607 ( b ) : Requirement to maintain maximum possible accuracy of consumer information. 

FCRA 623 ( b ) : Furnishers duty to investigate disputed information. 


Requested Resolution : I request that the CFPB require TransUnion and the data furnishers to : Provide proper verification and documentation of each disputed item. 

Remove or correct any unverifiable or inaccurate information. 

Provide me with written confirmation of corrections once complete. 

Thank you for your time and assistance. I trust the CFPB will ensure compliance and protect my consumer rights under federal law. 

Respectfully, 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