Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Formal Dispute of Credit Report Demand for Permanent Deletion of Unverifiable, Inaccurate, Outdated, and Incomplete Information I am writing to formally dispute the accuracy and completeness of certain information contained in my credit file maintained by TransUnion, as well as to request the permanent deletion of all unverifiable, inaccurate, outdated, and incomplete data that violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Pursuant to my rights under FCRA, particularly sections 1681i ( Reinvestigation of Disputed Information ) and 1681e ( Accuracy of Information ), consumer reporting agencies must ensure strict compliance with their duty to maintain only accurate, complete, and verifiable information. I specifically invoke the following provisions : XXXX. XXXX XXXX Unverifiable Information : * * Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if disputed information can not be verified by the furnisher or consumer reporting agency within the mandated XXXX investigation period, such information must be promptly deleted from the consumer report. Failure to remove unverifiable data constitutes a material violation. 

XXXX XXXX XXXX  Inaccurate Information : XXXX XXXX Section 1681e ( b ) requires the consumer reporting agency to follow reasonable procedures to assure maximum possible accuracy in credit reporting. Any information found inaccurate or consistently misreported must be corrected or permanently deleted. 

XXXX XXXX XXXX Outdated Negative Information : XXXX XXXX As per 15 U.S.C. 1681c ( a ), negative information related to delinquency, insolvency, or adverse accounts must not be reported beyond XXXX years from the date of first delinquency, except for bankruptcy, which is limited to XXXX years. Reporting of information beyond these timeframes is unlawful and mandates immediate removal. 

XXXXXXXX XXXX XXXX Incomplete Information : XXXX XXXX Under section 1681e ( b ), incomplete or ambiguous information that could mislead a credit decision must be either corrected or deleted to prevent adverse effects on my creditworthiness. 

Based on the review of my TransUnion credit file, I have identified multiple entries exhibiting XXXX or more of these violations : unverifiable debts inadequately supported by documentation, inaccurate account statuses, and records well beyond the allowable reporting period. I demand that the CFPB undertake immediate enforcement action and instruct TransUnion to permanently delete the disputed entries from my credit report, consistent with FCRA mandates. 

I further reference the CFPBs authority under 12 U.S.C. 5551 to supervise and enforce compliance by consumer reporting agencies and ensure that willful failures to comply with the FCRA are met with appropriate penalties. 

Please confirm receipt of this dispute and provide written notice within the statutory XXXX period detailing the results of your investigation and corrective measures taken. Failure to comply will compel me to pursue all available remedies, including legal action for damages under 15 U.S.C. 1681n and 1681o. 

This letter serves as formal notice to protect my consumer rights. I expect strict adherence to the laws protecting consumers from the consequences of inaccurate, incomplete, unverifiable, or outdated credit information. 

Thank you for your prompt attention to this urgent matter. 

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 explanation