Consumer complaint received 2025-06-21 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:
XX/XX/XXXX RE : Dispute of Inaccurate Credit Report InformationAccount Number : XXXX : XXXX XXXXXXXX XXXX : XXXX Dear Sir or Madam, I am writing to formally dispute inaccurate, unverifiable, and misleading information appearing on my credit report, specifically the account listed above with the Department of Treasury-FMS ( Account # XXXX XXXX XXXX This letter is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX et seq., and XXXX XXXX compliance standards as outlined by the XXXX XXXX XXXX XXXX ( XXXX ). I demand a thorough investigation, correction, and permanent deletion of all inaccurate information, as well as compensation for damages resulting from these violations. I invoke my rights under Without Prejudice XXXX XXXX, preserving all legal rights without waiving any. 
Violations and Inaccuracies Identified The following inaccuracies and violations are present in the reporting of the XXXX XXXXXXXX XXXX account ( Account # XXXX ) on my credit report : XXXX. Inaccurate Date of First Delinquency ( DOFD ) The Date of First Delinquency ( DOFD ) is either missing, incorrect, or unverifiable, constituting a violation of XXXX U.S.C. XXXX. Under FCRA XXXX ( a ) ( XXXX ), accounts with a DOFD must be accurately reported, and obsolete information ( beyond XXXX years from the DOFD ) can not appear on a consumers credit report. The estimated removal date of XX/XX/XXXX suggests a DOFD of approximately XX/XX/XXXX, yet the account was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. This discrepancy indicates an inaccurate or unverifiable DOFD, rendering the reporting non-compliant with XXXX XXXX standards ( Field XXXX, Date of First Delinquency ) and FCRA XXXX ( b ), which requires reasonable procedures to ensure maximum possible accuracy. 
XXXX. Lack of Permissible PurposeThe XXXX XXXX XXXX and the XXXX XXXX XXXXXXXX XXXX are not reported as furnishers of this debt, raising questions about the permissible purpose for reporting this information under XXXX U.S.C. XXXX. Without a documented permissible purpose, such as a valid credit transaction or consumer-initiated request, the inclusion of this account on my credit report violates FCRA XXXX XXXX a ). I demand proof of permissible purpose, including any contract or agreement establishing my liability for this alleged debt. 
XXXX. Inaccurate Account Status and ReportingThe account is reported as Paid in full/was a collection with a balance of {$0.00}, yet it remains a negative item scheduled for removal in XX/XX/XXXX. This status is misleading and violates XXXX XXXX guidelines, which require accurate reporting of account status ( XXXX XXXX, Account Status Code ). Per FCRA XXXX ( b ), furnishers must correct or delete unverifiable information after a reasonable investigation. The contradictory reporting of a paid account as negative suggests a failure to comply with these standards. Additionally, the phone number ( XXXX ) XXXX and address ( XXXX XXXX XXXX, XXXX, AL XXXX ) listed for the creditor are invalid or unverifiable, further violating FCRA XXXX ( b ). 
XXXX. Failure to Conduct a Reasonable InvestigationUnder XXXX XXXX. XXXX ( b ), furnishers are required to conduct a reasonable investigation of disputed information, review all relevant information provided by the consumer, and delete or correct unverifiable data. The continued presence of this account, despite its inaccuracies, suggests that the XXXX XXXX  XXXX and/or the credit bureau failed to comply with this obligation. The use of the XXXX system to communicate potentially false or misleading data may also constitute wire fraud under XXXX XXXX. XXXX, as it involves the electronic transmission of inaccurate information affecting my creditworthiness. 
XXXX. Inaccurate Personal InformationThe personal information listed, including my address ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) and phone number ( ( XXXX ) XXXX ), may be outdated or incorrect. Under FCRA XXXX ( a ) ( XXXX ), credit bureaus must ensure the accuracy of personal identifying information. I demand verification of this information and correction of any inaccuracies. 
XXXX. Violation of XXXX XXXX ComplianceThe account fails to comply with XXXX XXXX standards, including : * XXXX XXXX ( Account Status ) : The status code is inaccurate, as a paid account should not be reported as negative without justification. 
* Field XXXX ( Date Closed ) : The reported closure date ( XX/XX/XXXX ) conflicts with the negative reporting status. 
* Field XXXX ( DOFD ) : The DOFD is either missing or inconsistent with the reported timeline. These violations undermine the accuracy required by FCRA XXXX ( b ) and XXXX XXXX guidelines. 
Legal Basis for Dispute and Demand for Relief The following laws and case law support my demand for immediate correction, deletion, and compensation : * FCRA XXXX ( b ) : Requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. The inaccuracies listed above demonstrate a failure to comply, as established in XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), where the court held that failure to correct inaccurate reporting violates FCRA. 
* FCRA XXXX ( a ) : Mandates a reasonable reinvestigation of disputed information within XXXX days. Failure to delete unverifiable information is actionable, as seen in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). 
* FCRA XXXX ( b ) : Requires furnishers to investigate disputes and correct or delete unverifiable data. Non-compliance, as in XXXX v. XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ), entitles consumers to damages. 
* FDCPA XXXX : Prohibits false or misleading representations in debt collection. Reporting a paid account as negative may violate this section. 
* XXXX XXXX. XXXX ( XXXX XXXX ) : The transmission of false data via e-OSCAR to credit bureaus may constitute wire fraud, as it affects my financial standing. 
* XXXX XXXX Standards : As outlined by the XXXX, furnishers must report accurate account roles, statuses, and dates. Non-compliance is a violation of industry standards and FCRA. 
Demands Based on the above violations, I demand the following within XXXX days, as required by FCRA XXXX ( a ) ( XXXX ) : XXXX. Permanent Deletion : Remove the Department XXXX XXXX account ( Account # XXXX ) from my credit report due to its unverifiable and inaccurate nature. 
XXXX. Verification of Information : Provide documented proof of the following : * The permissible purpose for reporting this account ( XXXX XXXX. XXXX ). 
* The accurate XXXX and supporting documentation ( XXXX XXXX. XXXX ). 
* The validity of the creditors contact information and account status. 
XXXX. Compensation for Damages : I have suffered financial and emotional harm due to these inaccuracies, including potential credit denials and reputational damage. Under FCRA XXXX and XXXX, I am entitled to actual, statutory, and punitive damages for willful and negligent non-compliance. 
XXXX. Written Confirmation : Provide written confirmation of the deletion and a copy of my updated credit report. 
XXXX. Cease and Desist : Cease reporting this account to any third parties until all inaccuracies are resolved.

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