Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
TransUnion LLC XXXX  XXXX XXXX XXXX, PA XXXX RE : Formal Dispute and Demand for Immediate Deletion Consumer : XXXX XXXX XXXX Date of Report : XX/XX/XXXX NOTICE OF DISPUTE PURSUANT TO 15 U.S.C. 1681i ( FCRA ) Dear TransUnion, I am writing to formally dispute multiple inaccurate, unverifiable, and legally non-compliant items appearing on my credit report dated XX/XX/XXXX. These items violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I demand their immediate and permanent deletion. 
ITEMS DISPUTED AND LEGAL BASIS FOR DELETION 1. DEPARTMENT OF EDUCATIONXXXX ( XXXX ) ACCOUNTS DISPUTE : ( prior Removed items see Cfpb complaint # XXXX ) Both accounts report as " 90 days past due '' with last payment XX/XX/XXXX. 
LEGAL VIOLATIONS : A. Inconsistent Reporting Across Bureaus - FCRA 1681e ( b ) Violation Your report shows these accounts as delinquent, while : Equifax : Does NOT report these accounts at all Experian : Reports identical accounts as " Open/Never late '' with NO delinquency This constitutes a failure to follow reasonable procedures to assure maximum possible accuracy as required by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), where the Supreme Court held that credit reporting agencies must maintain reasonable procedures to ensure accuracy. 
B. Furnisher Inconsistency - FCRA 1681s-2 ( a ) The furnisher is reporting contradictory information to different bureaus, which violates the duty to provide accurate information under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). Under XXXX v. XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), inconsistent reporting across bureaus raises a rebuttable presumption of inaccuracy. 
C. Disputed Status Not Properly Indicated The notation " Dispute resolved; customer disagrees '' fails to comply with FCRA 1681i ( a ) ( 3 ), which requires that disputed information be clearly indicated. The continued reporting as delinquent after dispute resolution without proper verification violates my rights.

D. Obsolete Information - FCRA 1681c ( a ) ( 4 ) If the last payment was XX/XX/XXXX, and accounts show 90 days past due, the delinquency would have originated in 2023. Under 15 U.S.C. 1681c ( a ) ( 4 ), adverse information must be removed after seven years from the date of delinquency. 
DEMAND : Immediately delete both Department of Education accounts in their entirety, or correct them to reflect " current/paid as agreed '' status consistent with XXXX  's reporting. 
XXXX. XXXX  XXXX XXXX - CHARGED OFF ACCOUNT DISPUTE : Account shows as " Charged off as bad debt '' with {$490.00} balance, closed XX/XX/XXXX. 
LEGAL VIOLATIONS : A. Re-aging Violation - FCRA 1681c ( a ) ( 4 ) & Regulation V Last payment : XX/XX/XXXX Date opened : XX/XX/XXXX Status updated : XX/XX/XXXX The account was opened in XX/XX/XXXX, with last payment XX/XX/XXXX. The charge-off should have occurred within 180 days of the first missed payment ( late XXXX XXXX ). Updating the status to XX/XX/XXXX constitutes illegal re-aging under the Credit Repair Organizations Act, 15 U.S.C. 1679 et seq. 
B. Inconsistent Reporting Your report : Balance updated XX/XX/XXXX ; Account closed XX/XX/XXXX XXXX  : Shows XXXX potentially negative months Experian : Shows XXXX potentially negative months, status updated XX/XX/XXXX This inconsistency violates the " maximum possible accuracy '' standard established in XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ).

C. Permissible Purpose Violation - FCRA 1681b Continuing to report a charged-off account beyond the required timeframe without proper verification of its accuracy constitutes reporting without a permissible purpose. 
DEMAND : Immediately and permanently delete the XXXX  XXXX XXXX account. 

XXXX. XXXX XXXX  - CHARGED OFF ACCOUNT DISPUTE : Account shows as closed, charged off with {$120.00} balance. 
CRITICAL INCONSISTENCY : TransUnion ( your report ) : CLOSED, charged off, {$120.00} balance Equifax : CLOSED, charged off, {$120.00} balance Experian : OPEN, current status " Open/Never late, " {$330.00} balance, 110 % credit utilization LEGAL VIOLATIONS : A. Impossibility of Concurrent Status - FCRA 1681e ( b ) An account can not simultaneously be CLOSED/CHARGED OFF and OPEN/CURRENT. This represents a fundamental failure of reasonable procedures under XXXX XXXX Trans Union XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), which held that obvious inaccuracies create liability. 
B. Disputed Information Not Properly Investigated This glaring inconsistency should have been identified during any reasonable investigation. The failure to identify and correct this constitutes negligent or willful non-compliance under FCRA 1681n and 1681o. 
XXXX Account Status Verification Failure Under XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), a CRA must conduct more than a cursory investigation when discrepancies are apparent. 
DEMAND : Immediately and permanently delete the XXXX XXXX  account. 

XXXX. XXXX XXXX ACCOUNTS - DUPLICATE REPORTING DISPUTE : XXXX separate collection accounts for XXXX : XXXX : {$680.00} ( opened XX/XX/XXXX ) TRUEACCORD C : {$700.00} ( opened XX/XX/XXXX ) LEGAL VIOLATIONS : A. Duplicate/Fraudulent Collection - FCRA 1681s-2 ( a ) ( 1 ) XXXX  : Reports only XXXX XXXX collection ( {$680.00} ) XXXX  : Reports XXXX XXXX collections TransUnion : Reports TWO collections totaling {$1300.00} This discrepancy suggests duplicate reporting of the same debt, which violates the prohibition against furnishing inaccurate information. Under XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), duplicate reporting is per se inaccurate.

B. Unverifiable Debt - FDCPA 1692g The dramatic inconsistency across bureaus ( 0 to 2 collections ) makes these accounts unverifiable and renders them invalid under the " reasonable investigation '' standard of XXXX v. 
XXXX  XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ). 
C. Account Furnishing Without Verification 15 U.S.C. 1681s-2 ( a ) ( 2 ) requires furnishers to conduct reasonable investigations. The presence of contradictory information demonstrates this was not done. 
DEMAND : Immediately and permanently delete BOTH collection accounts ( SUNRISECRED and TRUEACCORD C ). 

LEGAL AUTHORITY FOR MANDATORY DELETION Supreme Court Precedent XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Established that XXXX must maintain reasonable procedures to ensure maximum possible accuracy. 
XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Confirmed consumers ' right to challenge inaccurate information and CRAs ' duty to investigate. 
XXXX XXXX XXXX XXXX. XXXX v. XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Inconsistent reporting across bureaus creates presumption of inaccuracy. 
XXXX. XXXX XXXX Trans Union XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) CRAs liable for obvious inaccuracies that reasonable procedures should catch. 
XXXX. XXXX XXXX XXXX Banking XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Requires meaningful investigation beyond automated verification. 
Statutory Requirements 6. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - Duty to investigate disputes within 30 days 7. 15 U.S.C. 1681e ( b ) - Duty to maintain reasonable procedures for accuracy 8. 15 U.S.C. 1681s-2 - Furnisher duties regarding accuracy of information DEMAND FOR COMPLIANCE Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you have 30 days from receipt of this letter to : 1. INVESTIGATE each disputed item with the thoroughness required by law 2. DELETE all inaccurate, unverifiable, or inconsistent information 3. PROVIDE written confirmation of deletions 4. NOTIFY all parties who received my credit report in the past 6 months of the deletions NOTICE OF INTENT Failure to comply with this demand will result in : 1. Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) 2. Filing complaints with the Federal Trade Commission ( FTC ) 3. Reporting to state Attorney General 's office 4. Consideration of legal action for willful non-compliance under FCRA 1681n, which provides for actual damages, statutory damages of $ XXXX {$1000.00} per violation, punitive damages, and attorney 's fees INVESTIGATION REQUIREMENTS Your investigation must include : Contact with original creditors to verify accuracy Comparison of data across all three bureaus to identify inconsistencies Documentation of verification process as required by XXXXs , 526 F.3d 142 Not merely automated verification ( ACDV process ) given the severity of discrepancies CONSUMER RIGHTS NOTICE I am exercising my rights under : Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) Credit Repair Organizations Act ( 15 U.S.C. 1679 et seq. ) This letter constitutes a formal dispute under federal law. All disputed items must be verified with supporting documentation or permanently deleted. 
I expect your prompt compliance with federal law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE RETAIN THIS LETTER : This correspondence creates a legal record of dispute and XXXX be used as evidence in any future proceedings.

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