Consumer complaint received 2025-06-04 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: IL

Complaint narrative:
Subject : Formal Dispute of Inaccurate and Improperly Reported XXXX XXXX Collection Account To Whom It May Concern, I am writing to formally dispute the information being reported on my credit file regarding a XXXX XXXX collection account. This account appears on my credit report under the collections section and is being reported inconsistently across the three credit bureaus with different Date of Last Activity and Account Closing Dates. This violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which mandates that all information reported to consumer reporting agencies must be accurate and complete. 



Disputed Account Details : Creditor Name : XXXX XXXX Account Type : Telecommunications Nature of Dispute : Inconsistent reporting, impermissible reporting under FCRA, FDCPA violations Violations and Concerns : 1. Inconsistent and inaccurate reporting : The dates associated with this account ( e.g., Date of Last Activity/Account type/ and Date Closed ) differ across your credit bureau and others . This directly contradicts FCRA 607 ( b ), and it impacts my credit score unfairly. 

2. Inconsistent and Inaccurate Reporting ( FCRA Violation 607 ( b ), 15 U.S.C. 1681e ( b ) ) : This account reflects inconsistent dates of last activity and closing across XXXX XXXX, and TransUnion. This violates the FCRA, which requires that information furnished to consumer reporting agencies must be complete and accurate. The conflicting data materially impacts my creditworthiness and must be resolved. 

3. Fair Debt Collection Practices Act ( FDCPA ) violations : If this collection is being reported or pursued by a debt collector, then the account may be in violation of : FDCPA 807 ( 15 U.S.C. 1692e ) Prohibits false, deceptive, or misleading representation of the character, amount, or legal status of any debt.

FDCPA 809 ( 15 U.S.C. 1692g ) Requires proper validation of debt within 5 days of initial contact.

Regulation F ( 12 CFR 1006.34 ) Outlines validation notice requirements. If this debt has not been properly validated, any continued reporting is improper.

Action Requested : I hereby request the following : 1. A full investigation into this XXXX XXXX collection account ; 2. Immediate deletion or correction of the account if the data can not be verified as 100 % accurate and complete across all credit bureaus ; 3. A full explanation in writing of your findings, including the method of verification, and the name and contact information of the data furnisher ; I am requesting this under my rights guaranteed by the FCRA, FDCPA, and Regulation If I do not receive a satisfactory resolution within 30 days, I will consider filing another complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potentially pursue legal remedies.

Please confirm in writing that you have received this dispute and are conducting your investigation. 


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