Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnionXXXX XXXX XXXX XXXX XXXXSubject: Formal Dispute of Inaccurate Credit Report Items Under FCRA\n\nDear TransUnion,\n\nI am writing to formally dispute inaccurate and unverifiable information reported on my credit file under my rights provided by the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681i and Fair Debt Collection Practices Act (FDCPA). Please consider this a formal request for investigation, verification, and deletion of any item that cannot be substantiated.\n\nUpon review of my credit report, I have identified the following accounts that are inaccurate, outdated, or otherwise unverifiablXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX written off\n\t\tDate Opened: XXXX XXXX XXXXXXXXDispute Reason: The account contains inaccurate balance and past-due reporting. I request full validation of this debt, including original signed agreement and payment history. Remove if unverifiable.XXXX XXXX XXXX XXXXStatus: Charged off / $XXXX written off\n\t\tDate Opened: XXXX XXXX XXXXDispute Reason: This item was previously disputed, and no proper validation was provided. The accuracy of balance and charge-off status is contested. Please verify all data or delete the accountXXXX XXXX (Account #XXXX)\n\t\tStatus: Charged off / $XXXX written off\n\t\tDate Opened: AXXXX XXXX XXXXDispute Reason: This item was disputed, but the investigation failed to validate the item. I challenge its completeness and accuracy under the FCRA. Remove if unverifiable.XXXX XXXX (Account #XXXXStatus: Charged off / $XXXX written off\n\t\tDate Opened: XXXX XXXX XXXXXXXXDispute Reason: This charge-off is inaccurate and not validated. Please remove unless you can furnish original documentation proving liability.XXXX XXXX (Account XXXX)\n\t\tStatus: Charged off / $XXXX  written off\n\t\tDate Opened: XXXX XXXX XXXXXXXXDispute Reason: This account shows incorrect reporting and past due amounts. I request full validation. Remove if not verifiableXXXX XXXX XXXX XXXX (Account #XXXXXXXXStatus: Charged off / $XXXX  written off\n\t\tDate Opened: XXXX XXXX XXXXXXXXDispute Reason: This charge-off is being disputed due to inaccuracies in reporting. Please verify the debt and remove if not validated.XXXX XXXX XXXX XXXX  (Account #XXXXXXXXStatus: Charged off / $XXXX  written off\n\t\tDate Opened: XXXX XXXX XXXXXXXXDispute Reason: I dispute this entry as it is incorrectly reported and unverifiable. Remove if validation cannot be producedXXXX XXXX  (Account #XXXXXXXXStatus: Charged off / $XXXX  written off\n\t\tDate Opened: XXXX XXXX XXXXXXXXDispute Reason: This item appears inaccurately on my report. Please validate or delete in accordance with the FCRA.\n\n\n\nIn accordance with FCRA Section 611, I respectfully request the following:\n\t\tInvestigate each disputed item.\n\t\tProvide documented proof of the alleged debts (e.g., original signed contract, complete account history).\n\t\tRemove or correct all inaccurate, incomplete, or unverified information.\n\t\tSend me a new copy of my credit report reflecting the results of the investigation.\n\nPlease complete your investigation within the required 30-day period and confirm in writing.\n\nSincerely,\XXXX XXXX XXXX XXXXXXXXEnclosures Utility bill for identity verification.\n\nMailed out'

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