Consumer complaint received 2025-05-30 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 : TransUnion LLC XXXX. XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Dispute and Demand for Permanent Deletion of Negative Items Under FCRA, UCC, FDCPA, and Relevant Case Laws Dear Dispute Department, I am formally disputing and demanding the permanent deletion of all negative and potentially damaging items currently being reported on my XXXX credit reports. This includes but is not limited to : Accounts with false, unverifiable late payments and derogatory status, including : XXXX ( XXXX late payments, status XXXX  days past due, balance {$830.00} ) XXXX ( XXXX late payments, balance {$2500.00} ) XXXX  XXXX ( multiple entries with XXXX, XXXX, and more late payments, balances {$53.00}, {$300.00} ) XXXX ( XXXX late payments, balance {$2800.00} ) XXXX ( XXXX late payments, status XXXX  days past due, balance {$1100.00} ) XXXX ( unknown payment history, charged off, balance {$330.00} ) Collection account : XXXX ( account # XXXX, original creditor : XXXX XXXX XXXX XXXX, balance {$2300.00} XXXX These entries are false, inaccurate, outdated, or unverifiable, and their continued reporting is causing me significant harm. 

Legal Grounds for Deletion : FCRA 15 U.S.C. 1681e ( b ) : TransUnion must follow reasonable procedures to ensure maximum possible accuracy. 

FCRA 15 U.S.C. 1681i ( a ) : TransUnion must reinvestigate disputed information and delete unverifiable data. 

FCRA 15 U.S.C. 1681s-2 ( b ) : Furnishers must investigate and correct disputed data ; otherwise, it must be deleted. 

FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) : Collection accounts must be validated ; failure to validate requires deletion. 

UCC 1-308 : I reserve all rights under the Uniform Commercial Code and do not waive any rights or defenses. 

Case Law References : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Reporting unverifiable or inaccurate data violates FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Credit bureaus must conduct a thorough investigation beyond mere parroting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Failure to ensure accuracy harms consumers. 

Demand for Immediate Deletion : I hereby demand that TransUnion permanently delete all negative, unverifiable, and inaccurate items from my credit report listed above within XXXX business days of receipt of this letter. Please provide me with an updated copy of my credit report reflecting these deletions. 

Failure to comply with my request will leave me no choice but to pursue all legal remedies available, including complaints to the CFPB, FTC, and State Attorney General, and filing a lawsuit for statutory, actual, and punitive damages under FCRA Sections 616 and 617. 

Please process this dispute immediately, ensuring full compliance with federal law and my consumer rights. 

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