Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter serves as my formal dispute under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX, XXXX ( b ), XXXX ( b ), and the Fair Credit Billing Act XXXX XXXX. XXXX, regarding inaccurate, unverifiable, obsolete, and materially misleading information being reported on my consumer credit file. 

PERSONAL INFORMATION BEING DISPUTED The following entries are factually inaccurate, outdated, or never associated with me : Incorrect Name ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Previous Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX Incorrect Date of Birth : XX/XX/1976 ACCOUNTS BEING DISPUTED Each account listed below contains materially conflicting data across the credit bureaus, fails to comply with XXXX XXXX formatting standards, and violates multiple sections of the FCRA and XXXX : XXXX XXXX Inconsistent reporting status ( XXXX XXXX XXXX  ) Continued XXXX lates post-closure Violation : XXXX ( b ), XXXX ( b ), XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Deleted XXXX Experian, but still XXXX with derogatory data Outdated, unverifiable, and obsolete Violation : XXXX ( b ), XXXX ( b ), XXXX TBOM/VT XXXX Reporting only to Experian with XXXX balance and closed status Inconsistent with other bureaus Violation : XXXX ( b ), XXXX ( a ) ( XXXX ), XXXX COLLECTIONS BEING DISPUTED The following collection accounts are incomplete, materially conflicting, and reflect data re-aging and FCRA violations. Some have already been deleted by other bureaus : XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXXXXXX  XXXX / XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX All these accounts violate : XXXX ( b ) Inaccuracy XXXX ( a ) ( XXXX ) Data re-aging XXXX ( b ) Failure to verify XXXX Billing errors XXXX Willful non-compliance FORMAL DEMAND Under XXXX U.S.C. XXXX, I demand : A complete reinvestigation of each item challenged Verification documents for all reported items, including : Name and address of the data furnisher Method of verification used Documentation used to verify the accuracy If you are unable to provide these documents, DELETE the disputed items immediately as required by law. 

NOTICE OF LEGAL ACTION If you fail to comply within XXXX  days of receipt, I will escalate this dispute to : The Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) My state Attorney Generals office Civil litigation for willful noncompliance under XXXX Please send me an updated copy of my consumer credit report reflecting the results of this dispute. 

Sincerely, [ Your Full Name ] [ Wet Signature, if mailing ] Let me know if you want this formatted as a printable PDF letter, or if you're submitting this online and need the content shortened for portal entry.

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