Consumer complaint received 2025-08-06 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX RE : Formal Dispute of Inaccurate and Inconsistent Reporting XXXX Accounts To Whom It XXXX Concern, This letter serves as a formal dispute of multiple accounts currently reported in my TransUnion credit file. Under the Fair Credit Reporting Act ( FCRA ) XXXX ( b ), XXXX, and XXXX, I am requesting a complete reinvestigation and correction or deletion of the following accounts, all of which are reporting inaccurate, outdated, conflicting, or unverifiable information. 

ACCOUNTS IN DISPUTE : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No data reported to TransUnion while reported to other bureaus. 
Violates completeness under FCRA XXXX ( b ). 
XXXX Acct XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported as " XXXX '' with {$0.00} balance but still showing severe delinquencies ( XXXX  day lates ). 
Misleading and potentially unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX late payment reported despite being paid and closed. 
Should not show derogatory marks on a {$0.00} balance. 
XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Marked as XXXX  even though account is settled and {$0.00} balance. 
Continued negative status suggests re-aging. 
XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Listed as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX but also Derogatory. 
Reporting conflicts and outdated derogatory mark should be corrected. 
XXXX ( XXXX XXXX XXXX ) Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is marked as XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX yet still reflects a derogatory status with a {$0.00} balance and closed date. 
Reporting charge-off status after the debt was sold is misleading and violates XXXX XXXX and FCRA XXXX ( a ) ( XXXX ). 
If XXXX sold the debt, it should not continue reporting derogatory marks. 
This account must be deleted or fully validated with ownership transfer records and payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX  Marked as Dispute Resolved ; Customer Disagrees but XXXX {$0.00} balance and paid. 
Improper derogatory marking post-resolution. 
XXXX XXXX XXXX XXXX XXXX  Shows XXXX late even though account is transferred and {$0.00} balance. 
Derogatory reporting post-transfer is misleading without validation. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Not reported to TransUnion. 
Lack of consistent reporting across bureaus violates FCRA XXXX ( b ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$0.00} balance and closed, yet marked as XXXX  XXXX  and XXXX. 
Improper charge-off notation after resolution and no updated dispute flag. 
DEMAND FOR ACTION : Pursuant to FCRA XXXX, I demand the following : A full reinvestigation of each account listed above Deletion or correction of all inaccurate or unverifiable information A written response that includes : Method of verification Documentation used to verify each account 's status Name and contact information of the data furnishers NOTICE : If these items are not addressed and resolved within XXXX  days, I will take the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Notify the Federal Trade Commission ( FTC ) Pursue legal remedies under FCRA XXXX & XXXX Attached are copies of my government-issued ID and proof of address for identity confirmation. 
Sincerely, XXXX XXXX SSN : 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