Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally dispute several inaccurate, unverifiable, and legally non-compliant items currently appearing on my TransUnion credit report dated XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to ensure all information in my credit file is accurate, complete, verifiable, and current. Any information that can not be verified must be deleted. 
Disputed Accounts & Violations XXXX XXXX XXXX XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Reported Status : Charge-off Violation : FCRA 1681e ( b ) : Reporting inaccurate and outdated payment information. 


FCRA 1681i ( a ) ( 1 ) ( A ) : Failure to properly reinvestigate upon consumer dispute. 


FDCPA 807 ( 8 ) : Reporting misleading credit information after charge-off. 


FACTA 312 : Failure to ensure accuracy and integrity of data. 


Issue : This account reflects contradictory payment history and charge-off remarks without proof of ownership, validation of debt, or complete payment record. No original contract or validation has been provided. 


Demand : Immediate deletion of this account from my file due to lack of verifiable documentation. 


XXXX. XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Reported Status : Charge-off ( Utility Account ) Violation : FCRA 1681c ( a ) ( 4 ) : Obsolete informationutilities are not permissible for charge-off classification for the past seven years. 


FCRA 1681i ( a ) ( 5 ) : Failure to delete unverifiable information after dispute. 


FDCPA 809 ( b ) : Failure to provide proper validation of debt. 


Issue : No record exists of notice of delinquency, and no signed agreement verifying the account belongs to me. The reporting creditor has no permissible purpose to continue furnishing this information. 


Demand : Permanent deletion and written confirmation. 



XXXX. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Reported Status : Paid, Closed ; was 30 days late ( Estimated removal XX/XX/XXXX ) Violation : FCRA 1681c ( a ) ( 5 ) : Adverse information may not be reported beyond seven years from the date of first delinquency. 


The reported late payment from XX/XX/XXXX appears inconsistent and unverifiable. 


Demand : Removal of the negative 30 days late remark and correction to Paid as Agreed. 


XXXX. XXXX XXXX XXXX Account # XXXX XXXX XXXX Reported Status : 30 Days Past Due ( Opened XX/XX/XXXX ) Violation : FCRA 1681e ( b ) : Accuracy violationimproper delinquency within 60 days of account opening. 


FDCPA 807 ( 2 ) ( A ) : False representation of account status. 


Issue : The timing of delinquency is impossible given the accounts opening date. The reporting is factually inaccurate. 


Demand : Permanent deletion for unverifiable data. 



Legal Notice of Consumer Rights Under 15 U.S.C. 1681i ( a ) ( 1 ), you are legally obligated to conduct a thorough reinvestigation of each disputed item within 30 days of receipt of this notice. Any item that can not be verified through original documentation from the data furnisher must be deleted from my credit file immediately. 
If you continue to report unverifiable or inaccurate information after receiving this notice, you will be in violation of the following laws : FCRA 1681n & 1681o : Civil liability for willful or negligent noncompliance. 


FDCPA 813 : Legal remedy for reporting or collecting inaccurate debt.

FACTA 623 ( a ) ( 1 ) ( A ) : Furnishers must not report information known to be inaccurate.

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