Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Formal Dispute Inaccurate Credit Reporting, Overpayment, and Unapplied Payments Account Numbers : Ending in XXXX  & XXXX To Whom It May Concern, I am writing to dispute the inaccurate and damaging reporting of XXXX XXXX  credit card accounts, referenced above, which are currently marked as settled for less than owed. This reporting is factually incorrect, as your own correspondence confirms that I paid more than the balance owed at the time of settlement. 

Furthermore, in prior communications, XXXX acknowledged that I was attempting to have your institution locate missing payments that were never properly applied or reconciled. Those unresolved payments further compromise the integrity of the account record. 

XXXX also admitted that I did in fact pay more than the amount owed yet they still are reporting settled less than amount owed. 

XXXX stated that I owed {$840.00} when they decided to close my account due to a business decision conveniently after requesting them to review my account for a payment which was mailed. 

XXXX admitted that they did not investigate the claim they just closed the account, there is no evidence or proof of investigation but they did state in the report that they DID NOT investigate properly they just documented it and closed the account. 

I paid over {$1000.00} for the debt owed which is more than what is actually owed. 

XXXX used deceptive practices to induce false information and created a false narrative on my credit report. 

XXXX stated I paid them exactly what I owed on my second account yet still stated that I paid less than the balance due. 

XXXX has proven that they have committed fraud. 


Let me be clear : I am not requesting a refund of overpayments. 
I am demanding the removal or correction of false and misleading credit information which continues to cause measurable harm to my financial standing. 
Alternatively, I seek monetary relief for the damages and losses I have sustained due to Discovers continued misreporting of these accounts. 

This situation is a direct violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA XXXX ( b ) : Duty to report complete and accurate information FCRA XXXX : Failure to perform a meaningful reinvestigation FCRA XXXX ( b ) : Failure to correct inaccurate or unverifiable information upon notice The accounts in question were settled and in XXXX case, overpaid yet they are still being reported with language such as settled for less than owed, accompanied by derogatory payment history blocks that create a false narrative I am requesting the following actions : XXXX. Immediate correction or deletion of these XXXX accounts from all credit reporting agencies ( XXXX XXXX, TransUnion, and XXXX ). 
XXXX. A written acknowledgment that the inaccurate reporting has been removed or corrected. 
XXXX. If you fail to comply, I will pursue monetary relief through legal channels and regulatory bodies due to negligence, financial harm, and reputational damage caused by your continued misreporting. 

You have XXXX days from receipt of this letter to resolve the matter, as required by the FCRA. 

Please consider this a formal demand under the Fair Credit Reporting Act and notice of potential legal action if this is not corrected. 

Sincerely, XXXX XXXX XXXX Enclosures : Discovers written response acknowledging overpayment CFPB complaint reference # XXXX Credit report with highlighted errors

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