Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear [ Bureau Name ], I am writing to dispute multiple accounts currently reporting on my credit file which are inaccurate, contain factual discrepancies, and are not in compliance with the Fair Credit Reporting Act ( FCRA ). I am formally demanding a reinvestigation as required under FCRA 1681i, and the deletion of all information that can not be fully verified with original source documentation. 

ACCOUNTS IN DISPUTE : XXXX. XXXX XXXX XXXX XXXX Account # : XXXX * * * * * Issue : Account is marked as both closed and open across reports, and reports XXXX separate XXXX late paymentsfar exceeding the normal monthly cycle. This is a factual impossibility and indicates inaccurate data being reported. Additionally, dispute resolved - consumer disagrees is noted without proof of resolution. 
FCRA Violations : 1681e ( b ) ( accuracy ), 1681i ( failure to verify ), 1681s-2 ( b ) ( continuing to report after dispute ) Action : Delete this account for inaccurate late reporting and unresolved dispute. 

XXXX. XXXX XXXX, XXXX Account # : XXXX * * * * * * * * * Issue : Closed account with a {$0.00} balance is showing late payments up to XXXX days. 
There is no documentation of these payments, and this negatively affects the credit profile without merit. 
FCRA Violations : 1681e ( b ), 1681i Action : Remove all late payment history and correct status, or delete account entirely. 

XXXX. XXXXXXXX XXXX Account # : XXXX * * * * * * * * * * * Issue : Account is marked both open and closed with extremely inconsistent late payment history. One report states XXXX late payments ; another says XXXX. This discrepancy violates the maximum possible accuracy requirement under FCRA. 
FCRA Violations : 1681e ( b ), 1681i, 1681s-2 Action : Remove this account entirely if full accuracy and original records can not be verified. 

XXXX. XXXX XXXXXXXX XXXX XXXX Account # : XXXX * * * * * * * * * * * * * * * * Issue : Late payments are being reported on an account that was closed with a {$0.00} balance and no active status. No validation of the dispute resolution has been provided. 
FCRA Violations : 1681e ( b ), 1681i Action : Remove or correct this tradeline to reflect paid-as-agreed without lates unless proven otherwise. 

Final Notice Under FCRA 1681i, you are required to reinvestigate any disputed information and remove any data that is inaccurate or can not be verified with original documentation. 
Failure to comply within XXXX days will result in formal complaints to the CFPB, FTC, and may escalate to legal counsel under FCRA 1681n and 1681o for negligent or willful noncompliance. 
Please forward the results of your investigation and an updated copy of my credit report reflecting the removal or correction of these items.

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