Consumer complaint received 2025-03-17 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: IL

Complaint narrative:
It has come to my attention that upon reviewing my credit report, I have discovered discrepancies that are inaccurately reflected. I am hereby issuing this official correspondence with regards to disputing the information contained within my credit report, as advised by the protocol established in the Fair Credit Reporting Act ( FCRA ), more specifically outlined in 15 U.S.C. 1681i. After a meticulous examination of my credit report, it has become apparent that there are inconsistencies warranting a thorough investigation and correction.

I am writing to formally dispute the following information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Upon reviewing my credit report, I found discrepancies that I would like to have investigated and corrected.

XXXX  - XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ) - Date open, date of last active is not accurate- Delete account immediately for violation of 15 USC 1681e ( b ) XXXX  - XXXX - date opened and last active is inaccurate - Inconsistent Date Opened : TransUnion : XX/XX/XXXX XXXX & XXXX : XX/XX/XXXX This violates 15 U.S.C.

1681e ( b ) ( Maximum Accuracy Rule ). Delete off my credit immediately XXXX - XXXX - This is not accurate. - I am disputing the XXXX account on my credit report as it contains inaccurate and unverified information, violating 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681b. The account was marked as charged off, yet it was also transferred or sold, meaning the original creditor should no longer be reporting it. If the furnisher can not provide proper verification, I demand its immediate removal from my credit file. ' Delete immediatley of my credit XXXX - XXXX - date opened and last active is inaccurate - Inconsistent Account Details Across Credit Bureaus Date Opened : TransUnion XXXX XX/XX/XXXXXXXX XXXX & XXXX XXXX XX/XX/XXXX High Credit : XXXX : {$0.00} ( incorrect ) TransUnion XXXX XXXX XXXX {$1500.00} Re-Aging of Debt ( Possible Violation of 15 U.S.C. 1681c ) Date Last Active : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Date of Last Payment : XXXX & TransUnion : XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX The Date of Last Activity ( DLA ) varies across bureaus, which could indicate re-aging of debt to keep it on your report longer. Payment History Discrepancies XXXX Shows 'OK ' Payments in some months while other bureaus list charge-offs ( CO ). This inconsistency violates 15 U.S.C. 1681e ( b ) ( Maximum Possible Accuracy ). Delete off my credit immediately XXXX - XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ) - Date of Last Payment ( XXXX XXXX Inaccuracy : TransUnion and XXXX list the Date of Last Payment as XX/XX/XXXX. XXXX lists it as XX/XX/XXXX. Correction Needed : The Date of Last Payment on XXXX should match the dates reported on TransUnion and XXXX XXXX, date of last active is not accurate- Delete account immediately for violation of 15 USC 1681e ( b ) XXXX - XXXX - date opened and last active is inaccurate - High Credit & Credit Limit Discrepancy Date Last Active differs across bureaus : TransUnion & XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX These date inconsistencies can be disputed under 15 U.S.C.

1681e ( b ) ( maximum possible accuracy standard ). Delete off my credit immediatley High Credit : TransUnion reports {$560.00}, XXXX reports {$250.00}, and XXXX reports {$0.00}. 
XXXX XXXX - XXXX - date opened and last active is inaccurate - Date Last Active ( XXXX XXXX Inaccuracy : TransUnion lists the Date Last Active as XX/XX/XXXX. XXXX lists the Date Last Active as XX/XX/XXXX. XXXX lists the Date Last Active as XX/XX/XXXX this is a vioation of 15 usc 1681e ( b ) maximum possibel accuracy standard and you must report. delet immedaitely off my credit In accordance with the guidelines outlined in the Fair Credit Reporting Act, I must respectfully request that the following matters be thoroughly examined and expunged from my record. It is my belief that you will diligently confirm these matters with the respective creditor. Kindly omit any data that the creditor is unable to authenticate. As mandated by 15 U.S.C. Sec. 1681i ( a ), it is imperative that you conduct this reevaluation within a period of 30 days from the date of receipt of this correspondence. 
I kindly request for an amended version of my credit report to be forwarded to the indicated address. Furthermore, I would appreciate if notifications regarding any rectifications are also disseminated to individuals who have previously accessed my credit report within the last half- year. 
Thank you for your time and attention.

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