Consumer complaint received 2025-10-01 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: IL

Complaint narrative:
It has been XXXX  days since the filing of my dispute against TransUnion to CFPB on XX/XX/year> ( CFPB Complaint ID : XXXX ) and I have not received a response or resolution to my complaint. This failure to investigate and respond within the timeframe violates the FCRA and denies me my rights as a consumer. 

As you are aware, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, requires credit reporting agencies to investigate consumer disputes and provide the results within XXXX XXXX XXXX XXXX XXXX days if additional information is provided by the consumer ). Furthermore, TransUnion has also violated15 U.S.C. 1681n & 1681o : Willful or Negligent Noncompliance. 

The enclosed documentation from my XXXX Credit Report XXXX XX/XX/year> XXXX XXXX further show various inaccuracies still being reported by TransUnion. 

XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX reports that they have written off the balance as a loss but continues to report it to the credit bureaus. If this is the case, the creditor would have also had to report this to the IRS and should have sent me tax form:1099-C ( cancellation of debt ). Because I have never received the proper tax documentation, this account is inaccurate and must be removed. 

Inconsistencies found across all XXXX bureaus : date closed payment history date of last activity TransUnion has failed to correct this inaccurate information and is knowingly reporting incorrect data and violating multiple laws. 

Laws that have been violated : XXXX ) FCRA Section 611 : the right to dispute any inaccurate or incomplete information XXXX ) FCRA Section 607 ( b ) : requires data to be maximally accurate XXXX ) FCRA Section 623 : requires furnishers to update or delete data that can not be verified XXXX ) Fair and Accurate Credit Transactions Act ( FACTA ) : the right to receive and review all consumer report data maintained by a data furnisher & must be correct & complete XXXX ) USC Codes : -15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies -15 USC 1681e ( b ) : Compliance procedures : Accuracy of report -15 USC 1681i ( 5 ) : Treatment of inaccurate or unverifiable information -15 USC 1681i ( 7 ) : Description of reinvestigation procedure -15 USC 1681n : Willful non-compliance -15 USC 1681o : Negligent non-compliance This is a clear violation of the FCRA as this account is not accurate or complete, therefore it must be deleted immediately. 

XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX reports that they have written off the balance as a loss but continues to report it to the credit bureaus. If this is the case, the creditor would have also had to report this to the IRS and should have sent me tax form:1099-C ( cancellation of debt ). Because I have never received the proper tax documentation, this account is inaccurate and must be removed. 

Inconsistencies found across all XXXX bureaus : date closed payment history date of last activity TransUnion has failed to correct this inaccurate information and is knowingly reporting incorrect data and violating multiple laws. 

Laws that have been violated : XXXX ) FCRA Section 611 : the right to dispute any inaccurate or incomplete information XXXX ) FCRA Section 607 ( b ) : requires data to be maximally accurate XXXX ) FCRA Section 623 : requires furnishers to update or delete data that can not be verified XXXX ) Fair and Accurate Credit Transactions Act ( FACTA ) : the right to receive and review all consumer report data maintained by a data furnisher & must be correct & complete XXXX ) USC Codes : -15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies -15 USC 1681e ( b ) : Compliance procedures : Accuracy of report -15 USC 1681i ( 5 ) : Treatment of inaccurate or unverifiable information -15 USC 1681i ( 7 ) : Description of reinvestigation procedure -15 USC 1681n : Willful non-compliance -15 USC 1681o : Negligent non-compliance This is a clear violation of the FCRA as this account is not accurate or complete, therefore it must be deleted immediately. 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX reports that they have written off the balance as a loss but continues to report it to the credit bureaus. If this is the case, the creditor would have also had to report this to the IRS and should have sent me tax form:1099-C ( cancellation of debt ). Because I have never received the proper tax documentation, this account is inaccurate and must be removed. 
Inconsistencies found across all XXXX bureaus : date closed payment history date of last activity TransUnion has failed to correct this inaccurate information and is knowingly reporting incorrect data and violating multiple laws. 

Laws that have been violated : XXXX ) FCRA Section 611 : the right to dispute any inaccurate or incomplete information XXXX ) FCRA Section 607 ( b ) : requires data to be maximally accurate XXXX ) FCRA Section 623 : requires furnishers to update or delete data that can not be verified XXXX ) Fair and Accurate Credit Transactions Act ( FACTA ) : the right to receive and review all consumer report data maintained by a data furnisher & must be correct & complete XXXX ) USC Codes : -15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies -15 USC 1681e ( b ) : Compliance procedures : Accuracy of report -15 USC 1681i ( 5 ) : Treatment of inaccurate or unverifiable information -15 USC 1681i ( 7 ) : Description of reinvestigation procedure -15 USC 1681n : Willful non-compliance -15 USC 1681o : Negligent non-compliance This is a clear violation of the FCRA as this account is not accurate or complete, therefore it must be deleted immediately. 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Because IL is a state of Judicial Foreclosure, all foreclosures must be filed through the court system & are considered Public Record. No Public Record has ever been reported. 
Furthermore, the payment history, payment status, date of last activity and closed date are all inconsistent across all XXXX credit bureaus. 
This account is inaccurate, unverifiable and must be removed immediately. 

Laws that have been violated : XXXX ) FCRA Section 611 : the right to dispute any inaccurate or incomplete information XXXX ) FCRA Section 607 ( b ) : requires data to be maximally accurate XXXX ) FCRA Section 623 : requires furnishers to update or delete data that can not be verified XXXX ) FCRA 1681i : They have to investigate XXXX ) FCRA 1681i ( a ) ( 6 ). They have to provide a detailed scope of the method of investigation XXXX ) Fair and Accurate Credit Transactions Act ( FACTA ) : the right to receive and review all consumer report data maintained by a data furnisher & must be correct & complete XXXX ) USC Codes : -15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies -15 USC 1681e ( b ) : Compliance procedures : Accuracy of report -15 USC 1681i ( 5 ) : Treatment of inaccurate or unverifiable information -15 USC 1681i ( 7 ) : Description of reinvestigation procedure -15 USC 1681n : Willful non-compliance -15 USC 1681o : Negligent non-compliance This is a clear violation of the FCRA as this account is not accurate or complete, therefore it must be deleted immediately. 

XXXX ) XXXX XXXX XXXX with Acct XXXX XXXXXXXX -This item was purchased by a third-party debt collector. 
-The account was paid for at an amount less than owed by the third-party debt collector thus currently reported amount owed is not correct. 
-How much did the collection company pay for this item? I dont know and neither does my credit report reflect such amount. 

Inconsistencies found across all XXXX bureaus : date closed creditor type payment history date of last activity Laws being violated : XXXX ) FCRA section 611 gives consumers the rights to dispute any item thats inaccurate, outdated, incomplete, or unverifiable. 
XXXX ) FCRA Section 607 ( b ) requires that credit bureaus maintain maximum possible accuracy according XXXX ) FDCPA : Section 609 requires debt collectors to provide validation of a debt if requested. They can not continue reporting a debt if they fail to validate it XXXX ) FCRA Section 623 : requires furnishers to update or delete data that can not be verified XXXX ) USC Codes : -15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies -15 USC 1681e ( b ) : Compliance procedures : Accuracy of report -15 USC 1681i ( 5 ) : Treatment of inaccurate or unverifiable information -15 USC 1681i ( 7 ) : Description of reinvestigation procedure -15 USC 1681n : Willful non-compliance -15 USC 1681o : Negligent non-compliance This is a clear violation of the FCRA as this account is not accurate or complete, therefore it must be deleted immediately. 

XXXX ) XXXX XXXX XXXX with Acct XXXX XXXXXXXX -This item was purchased by a XXXX-party debt collector. 
-The account was paid for at an amount less than owed by the third-party debt collector thus currently reported amount owed is not correct. 
-How much did the collection company pay for this item? I dont know and neither does my credit report reflect such amount. 

Inconsistencies found across all XXXX bureaus : date closed creditor type payment history date of last activity Laws being violated : XXXX ) FCRA section 611 gives consumers the rights to dispute any item thats inaccurate, outdated, incomplete, or unverifiable. 
XXXX ) FCRA Section 607 ( b ) requires that credit bureaus maintain maximum possible accuracy according XXXX ) FCRA Section 623 : requires furnishers to update or delete data that can not be verified XXXX ) FDCPA : Section 609 requires debt collectors to provide validation of a debt if requested. They can not continue reporting a debt if they fail to validate it XXXX ) USC Codes : -15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies -15 USC 1681e ( b ) : Compliance procedures : Accuracy of report -15 USC 1681i ( 5 ) : Treatment of inaccurate or unverifiable information -15 USC 1681i ( 7 ) : Description of reinvestigation procedure -15 USC 1681n : Willful non-compliance -15 USC 1681o : Negligent non-compliance This is a clear violation of the FCRA as this account is not accurate or complete, therefore it must be deleted immediately. 

XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX -This account is reporting inconsistent payment histories and payments statuses across all XXXX bureaus. 
-Payment history grid is inaccurate : the month-by-month grids conflicts with the account summary/payment status -inconsistent status codes : reporting pays as agreed, but also shows late payments, this is contradictory. Status codes MUST match the payment history exactly. 

Laws being violated : -FCRA Section 611 : gives you the right to dispute any item on a credit report -FCRA Section 607 ( b ) : mandates maximum possible accuracy in all reported data -FCRA Section 623 : applies to Furnishers who report data to the bureaus. They are required to update or delete inaccurate information promptly -15 USC 1681e ( b ) : Compliance procedures : Accuracy of report -15 USC 1681n : Willful non-compliance -15 USC 1681o : Negligent non-compliance This is a clear violation of the FCRA as this account is NOT accurate or complete, therefore the Negative Reporting status must be deleted immediately. 

XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX -This account is reporting inconsistent payment histories and payments statuses across all XXXX bureaus. 
-Payment history grid is inaccurate : the month-by-month grids conflicts with the account summary/payment status. 
-Inconsistent status codes : reporting pays as agreed, but also shows late payments, this is contradictory. Status codes MUST match the payment history exactly. 
Laws being violated : -FCRA Section 611 : gives you the right to dispute any item on a credit report -FCRA Section 607 ( b ) : mandates maximum possible accuracy in all reported data -FCRA Section 623 : applies to Furnishers who report data to the bureaus. They are required to update or delete inaccurate information promptly -15 USC 1681e ( b ) : Compliance procedures : Accuracy of report -15 USC 1681n : Willful non-compliance -15 USC 1681o : Negligent non-compliance This is a clear violation of the FCRA as this account is NOT accurate or complete, therefore the Negative Reporting status must be deleted immediately. 

The timeframe TransUnion has been allotted to conduct a reasonable investigation is now over. 
If they fail to respond promptly, I will escalate this matter further, including filing additional complaints with the Federal Trade Commission ( FTC ), the IL State Attorney Generals Office, and pursuing remedies under the FCRA, which provides for statutory damages, attorneys fees, and court costs for willful or negligent noncompliance. 
Please treat this matter with the urgency it requires. I expect a written response within 15 days of receiving this letter. 

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 non-monetary relief