Consumer complaint received 2025-10-02 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: TX

Complaint narrative:
To Whom It May Concern : I am formally disputing multiple accounts on my TransUnion credit report that are inaccurate, incomplete, unverifiable, and in violation of federal law. I am exercising my rights under the Fair Credit Reporting Act ( FCRA 602, 607, 609, 611, 623 ) and the Fair Debt Collection Practices Act ( FDCPA 807, 808 ).

The following accounts are reporting erroneous, misleading, inflated, or contradictory information, and I demand full deletion immediately : XXXX. XXXX XXXX ( Acct # XXXX ) Opened : XX/XX/XXXX | Status : Charged off {$52.00}, past due {$52.00} as of XX/XX/XXXX Original Balance : {$520.00} | Terms : 12 months Errors : Only {$52.00} written off from {$520.00} ; {$470.00} unexplained. Payment history inconsistent with impossible balances and dates. Violates FCRA 607 ( b ) and FDCPA 808. 
XXXX. XXXX XXXX BANK XXXX Acct # XXXX ) Opened : XX/XX/XXXX | Status : Charged off {$440.00}, past due {$440.00} Credit Limit XXXX {$300.00} | Highest Balance : {$440.00} Errors : Balance exceeds credit limit without documentation. Payment history misrepresented ; impossible past-due sequences. Violates FCRA 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ) and FDCPA 807, 808. 
XXXX. XXXX  ( Acct # XXXX ) Opened : XX/XX/XXXX | Status : Charged off {$790.00}, past due {$790.00} Credit Limit XXXX {$400.00} | Highest Balance : {$790.00} Errors : Balance exceeds credit limit ; unverifiable. Violates FCRA 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ) and FDCPA 807, 808. 
XXXX. XXXX XXXX XXXX ( Acct # XXXX ) Opened : XX/XX/XXXX | Status : Collection {$890.00} past due ( XX/XX/XXXX ) Original Balance : {$890.00} | Terms : 1 month Errors : Terms : 1 month inaccurate ; collection can not have loan terms. No chain of title verification. Violates FCRA 607 ( b ), 611 and FDCPA 807, 808. 
XXXX. XXXX BANK XXXX ( Acct # XXXX ) Opened : XX/XX/XXXX | Status : Charged off {$580.00}, past due {$580.00} Credit Limit : {$500.00} | Highest Balance : {$600.00} Errors : Highest balance exceeds credit limit ; impossible without documentation. Potential illegal re-aging. Violates FCRA 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ). 
XXXX. XXXX XXXX XXXX ( Acct # XXXX ) Opened : XX/XX/XXXX | Status : Open {$810.00} past due ( XX/XX/XXXX ) Balance : {$28000.00} | Original Balance : {$53000.00} Errors : Past due amounts inconsistent with payment history. Violates FCRA 607 ( b ), 611. 
XXXX. XXXX XXXX XXXX XXXX ( Acct # XXXX ) Opened : XX/XX/XXXX | Status : Charged off {$6200.00}, past due {$6200.00} Original Balance : {$8000.00} | Terms : 60 months Errors : Account can not be simultaneously charged off and past due. Violates FCRA 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ). 
XXXX. XXXX XXXX XXXX ( Acct # XXXX ) Opened : XX/XX/XXXX | Status : Closed {$810.00} written off, balance {$0.00} Errors : Sold to XXXX XXXX XXXX XXXX but balance incorrectly reported. Violates FCRA 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ).

Legal Grounds for Deletion FCRA 607 ( b ) : All information must be reported with maximum accuracy. FCRA 611 ( a ) ( 1 ) ( A ) : Right to dispute and demand reinvestigation.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers must not report information they know, or should know, is inaccurate.

FDCPA 807 ( 2 ) ( A ) : Debt collectors can not misrepresent debts.

FDCPA 808 : No unauthorized fees or charges.

Demand I demand : 1. Immediate reinvestigation of all disputed accounts.

2. Permanent deletion of any account that can not be fully verified.

3. Written confirmation of deletion within 30 days. 
Failure to comply constitutes a willful violation of FCRA, making TransUnion liable for statutory damages, attorney fees, and legal action under 15 U.S.C. 1681n. Partial corrections, re-aging attempts, or incomplete investigations are unacceptable. 
Sincerely, XXXX XXXX SSN ( last 4 digits ) : XXXX DOB : XX/XX/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