Consumer complaint received 2025-06-20 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:
To Whom It May Concern, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate and inconsistent information being reported by TransUnion on my consumer report in connection with an account listed under XXXX XXXX, Account # : XXXXXXXX XXXX XXXX XXXX XXXX 

The information reported for this account is inconsistent with other credit reporting agencies and is factually incorrect, legally non-compliant, and damaging to my credit profile. The data you are publishing can not be substantiated and must be corrected or deleted immediately. 

SPECIFIC ERRORS AND FACTUAL INACCURACIES : You are reporting a 60-day late payment in XX/XX/year>, despite the account being listed as current and showing a {$0.00} balance and {$0.00} past due. 

The payment history is inconsistent with XXXX  and XXXX, who either show fewer delinquencies or different account status. 

The account status is marked Open and Current with no past due balance, yet the historical data inaccurately reflects 30 and 60-day latesthis is a clear contradiction.

The High Credit and Balance figures are inconsistent across the bureaus, suggesting unreliable or poorly verified reporting.

You list the Monthly Payment as {$0.00}, yet historical lates suggest an obligation that was never documented or explained.

VIOLATIONS OF FEDERAL LAW : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) Data furnishers must report only accurate and complete information. The errors above clearly violate this requirement. If you can not fully document the accuracy of the information furnished, you are required to remove it.

15 U.S.C. 1681i As the credit reporting agency, you are required to promptly reinvestigate any disputed item and delete it if it can not be verified.

15 U.S.C. 1666b Creditors must provide a reasonable grace period before treating payments as late. If XXXX XXXX failed to comply with this requirement and still reported lates, that constitutes unlawful damage to my credit report.

ACTION DEMANDED : I hereby demand that TransUnion : Remove the late payment history associated with XXXX XXXX, or Delete the entire account from my credit report if the information can not be verified with complete, written documentation, and Provide a full reinvestigation report and updated credit file within 30 days of receipt of this letter, per your FCRA obligations. 

NOTICE OF ESCALATION IF IGNORED : If this matter is not fully resolved within 30 calendar days, I will file formal complaints with the following agencies : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Florida Attorney General XXXX XXXX XXXX ( XXXX  ) I am also prepared to pursue legal action under FCRA 1681n and 1681o for willful and negligent noncompliance, including statutory damages, actual damages, punitive damages, and legal fees. 

This letter places you on legal notice. I expect your prompt and complete attention to this matter. 

Sincerely, XXXX XXXX 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