Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
To : Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate and Unfair Information Under the Fair Credit Reporting Act ( FCRA ) Date : [ XXXX XXXX ] Dear Experian Disputes Department, Im writing as a consumer requesting an investigation and correction regarding two charge-off accounts listed in my credit file, which I obtained on XX/XX/XXXX. After reviewing the report, I noticed that the information reported appears inaccurate, incomplete, and possibly unverifiable, which violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA ( 15 U.S. Code 1681 ), I have the right to ensure that all items included in my credit report are accurate, fair, and fully verifiable. Below are the accounts Im disputing, along with the specific reasons why I believe they are incorrectly reported : 1. XXXX XXXX XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Status : Charged Off with {$840.00} written off and {$990.00} listed as past due ( as of XX/XX/XXXX ) Dispute Reason : This account has not been updated in over two years. The information reported lacks critical details such as monthly payments and recent activity, making it incomplete and possibly outdated. Additionally, theres no indication that I was properly notified prior to the charge-off being reported.

According to FCRA 611 ( 15 U.S.C. 1681i ), if information in a consumers file can not be verified, it must be removed. I am formally requesting reinvestigation and deletion of this account if it can not be fully validated.

2. XXXX XXXX XXXX XXXX Auto Loan Account # : XXXX Date Opened : XX/XX/XXXX Status : Charged Off with {$23000.00} written off and {$25000.00} listed as past due ( as of XX/XX/XXXX ) Dispute Reason : This account is showing a past-due balance that exceeds the original loan amount, which was {$23000.00}. Thats not only financially questionable but also misleading. The charge-off was reported multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, etc. ), which may give the false impression of multiple defaults when its the same debt.

FCRA 607 ( 15 U.S.C. 1681e ) states that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. This entry fails that standard. Please validate this item, or remove it entirely if proper records can not be provided.

I ask that Experian complete its reinvestigation within the 30-day period allowed by law. If the data furnisher can not substantiate the accuracy and completeness of these accounts with documented evidence, I respectfully request that they be permanently deleted from my credit file.

Please mail me an updated credit report and a written response showing the results of your reinvestigation. I appreciate your attention to this matter and look forward to resolving it promptly. 

Sincerely, [ XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Address : [ XXXX XXXX XXXX XXXX XXXX, WA XXXX ] Phone : [ 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