Consumer complaint received 2025-10-23 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Date : XX/XX/XXXX To : TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute and Demand for Deletion XXXX  Submission Reference : XXXX XXXX Report XXXX Dear TransUnion Dispute Department : I, XXXX XXXX XXXX, am formally disputing the accuracy and reporting of the accounts listed below. Each account is disputed for XXXX XXXX  procedural and structural violations under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX including failure to conduct a reasonable reinvestigation, failure to maintain maximum possible accuracy, and lack of verification documentation. 

Pursuant to XXXX XXXX 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - ( B ), 1681e ( b ), 1681i ( a ) ( 6 ) ( B ) ( iii ), 1681s-2 ( b ) XXXX XXXX, and supported by authoritative case law ( * XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ; XXXX v. TransUnion, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ; XXXX v. XXXX & XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ; XXXX v. TransUnion, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX  ), I demand full deletion or verified correction of all disputed items. Each XXXX XXXX code corresponds to e-OSCAR standards for automated processing. 

-- XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Account - Account # : XXXXXXXX XXXX XXXX XXXX XXXX - Reported as : Derogatory / Collection - Last Reported : XX/XX/XXXX - XXXX XXXX Codes : XXXX XXXX XXXX - Violation : FCRA 1681i ( a ) ( 1 ) ( A ), 1681e ( b ), 1681s-2 ( b ) No verification provided; accuracy not maintained - Demand : Reinvestigate immediately ; if verification can not be produced, XXXX XXXX delete from all consumer files XXXX XXXX 

- Last Reported : XX/XX/XXXX / XX/XX/XXXX - XXXX XXXX Codes : XXXX XXXX XXXX - Violation : FCRA 1681i ( a ), 1681s-2 ( b ) Furnisher verification absent ; reinvestigation incomplete - Demand : Provide documented verification or XXXX XXXX delete account entirely XXXX XXXX. 

XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX Account - Account # : XXXX XXXX XXXX XXXX XXXX  - Reported as : Paid / Derogatory / Collection - Last Reported : XX/XX/XXXX - XXXX XXXX Codes : XXXX XXXX XXXX - Violation : FCRA 1681i ( a ), 1681e ( b ) Account reported as collection/charge-off without substantiation - Demand : Confirm verification or XXXX XXXX  delete immediately from all reporting XXXX XXXX 

XXXX XXXX XXXX  XXXX. XXXX XXXX Credit Card - Account # : XXXXXXXX XXXX XXXX XXXX XXXX - Reported as : Derogatory / Charge-off - Last Reported : XX/XX/XXXX - Metro XXXX XXXX : XXXX XXXX XXXX  - Violation : FCRA 1681i ( a ), 1681s-2 ( b ) No verification provided for charged-off balance - Demand : Provide verification or XXXX XXXX  delete permanently XXXX XXXX 

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account # : XXXX XXXX XXXX  - Reported as : Derogatory / Collection - Last Reported : XX/XX/XXXX - XXXX XXXX Codes : XXXX XXXX XXXX - Violation : FCRA 1681i ( a ), 1681e ( b ), 1681s-2 ( b ) - Demand : Reinvestigate ; if verification can not be produced, XXXX XXXX delete immediately XXXX XXXX. 

XXXX XXXX XXXX  XXXX. XXXX, XXXX/ XXXX  XXXX / XXXX XXXX XXXXXXXX Collection - Account # : XXXX XXXX XXXX XXXX XXXX - Reported as : Derogatory / Collection - Last Reported : XX/XX/XXXX - XXXX XXXX Codes : XXXX XXXX XXXX - Violation : FCRA 1681i ( a ), 1681s-2 ( b ) - Demand : Reinvestigate with proper verification ; if unverified, XXXX XXXX delete account from all reports XXXX XXXX 

-- - XXXX XXXX XXXX Legal Notice Failure to comply with these requests constitutes willful or negligent noncompliance under XXXX XXXX 15 U.S.C. 1681n and 1681o XXXX XXXX, exposing the CRA to statutory and actual damages, including attorneys fees and injunctive relief. 

Please provide written confirmation of XXXX XXXX investigation results, verification documentation, or deletions XXXX XXXX within XXXX XXXX  15 days of receipt XXXX XXXX 

Respectfully, __________________________ XXXX XXXX XXXX XXXX XXXX Enclosures : XXXX XXXX - Three Bureau Credit Report XXXX - Proof of Identity and Address - Copies of prior dispute submissions

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