Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally disputing the accuracy, completeness, and verifiability of several accounts appearing on my credit reports. This letter is written under the authority of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 602, 607 ( b ), 609 ( a ), 611 ( a ), 623 ( a ) ( 1 ) ( A ), and 15 U.S.C. 1681b.

Under FCRA 607 ( b ), you are required to maintain maximum possible accuracy in all information you report. Under 609 ( a ), I have the right to a complete disclosure of the methods used to verify the information you report about me. Under 611 ( a ), you must reinvestigate all disputed items within XXXX  days and delete or correct any information that can not be verified. Under 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or should know to be inaccurate.

In addition, under 1681b, no entity may access or use my credit report without a permissible purpose as defined by law. Any inquiry or furnishing of data without such purpose is a direct violation of my rights. 
I hereby dispute the following accounts as inaccurate, incomplete, and/or unverifiable, and demand that they be immediately deleted or corrected : XXXX. XXXX / XXXX Account Type : Auto Loan Charged Off / Collection Dates Opened : XX/XX/XXXX Reported Issues : Inconsistent dates of last payment and charge-off across bureaus. 
Reported as charged off despite later activity. 
Balance reported as {$0.00} yet still shown as derogatory. 
Applicable FCRA Violations : XXXX ( A ), XXXX ( b ), XXXX ( a ), XXXX ( a ) ( XXXX ) ( A ) Action Requested : Permanent deletion if full verification can not be provided. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Type : Medical Collection Date Opened : XX/XX/XXXX Reported Issues : Balance reported without proof of original debt ownership or contract. 
No evidence of permissible purpose to access or report under 1681b.

No documentation of consumer authorization.

Applicable FCRA Violations : 607 ( b ), 609 ( a ), 611 ( a ), 623 ( a ) ( 1 ) ( A ), 1681b Action Requested : Immediate deletion of this unverifiable medical collection account. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( All Student Loan Tradelines ) Account Type : Federal Student Loans Reported Issues : XXXX late not consistent with deferment and payment records. 
Reporting differs across bureaus ( TransUnion shows current, Equifax shows late XXXX  days ). 
Missing or inconsistent date last active and payment record details. 
Applicable FCRA Violations : 602 ( A ), 607 ( b ), 611 ( a ), 623 ( a ) ( 1 ) ( A ) Action Requested : Verify all data fields or delete each tradeline as unverifiable. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Type : Secured Loan Reported Issues : Reported XXXX and XXXX late payments after the account was paid and closed. 
Reporting status is inconsistent ( paid vs. derogatory ). 
Applicable FCRA Violations : 607 ( b ), 609 ( a ), 611 ( a ), 623 ( a ) ( 1 ) ( A ) Action Requested : Correct to Paid / Closed / Never Late or delete permanently. 
XXXX. Self Financial / Lead Bank Account Type : Secured Credit Card Reported Issues : Reported late payment despite account paid via collateral. 
Status and history inconsistent across bureaus. 
Applicable FCRA Violations : 602 ( A ), 607 ( b ), 611 ( a ), 623 ( a ) ( 1 ) ( A ) Action Requested : Verify accuracy with documentation or delete permanently. 
Requested Actions Conduct a reinvestigation under FCRA 611 ( a ) for each item listed.

Provide full documentation of verification sources under 609 ( a ) ( 1 ).

Delete or correct any unverifiable or inaccurate data.

Provide written confirmation of all deletions or updates within XXXX days. 
If the disputed information can not be fully verified, it must be deleted immediately under 611 ( a ) ( 5 ) ( A ). Continued reporting of unverifiable or inaccurate data will constitute willful noncompliance under 616 and 617, exposing all parties to civil liability. 
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