Consumer complaint received 2025-12-07 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: FL

Complaint narrative:
Re : Formal Dispute XXXX XXXX  ( Acct : XXXX ) Demand for Reinvestigation & Permanent Deletion Under FCRA To Whom It May Concern : I am formally disputing the XXXX XXXX  account, partial account number XXXX, reported as a charge-off with a stated balance of {$8500.00}. 
After reviewing my consumer file, I have identified multiple violations of the Fair Credit Reporting Act ( FCRA ), including reporting of inaccurate, incomplete, and unverifiable information. 

This account must be reinvestigated and permanently deleted unless the information can be fully substantiated with original-source documentation. 



1. FCRA 602 ( a ) FAILURE TO MAINTAIN MAXIMUM POSSIBLE ACCURACY The following irregularities violate FCRA 602 ( a ) : The alleged Date Opened ( XX/XX/year> ) and Date of First Delinquency ( XX/XX/year> ) conflict with standard charge-off aging requirements ( typically 180 days past due ). 
The rapid progression from opening to delinquency to charge-off suggests inaccurate internal reporting, misclassification, or erroneous delinquency placement. 
These inconsistencies alone require deletion unless fully verified with original records. 
CRAs are legally obligated to ensure maximum possible accuracy, which is not reflected in this tradeline.

2. FCRA 609 ( a ) ( 1 ) RIGHT TO FULL DISCLOSURE OF INFORMATION SOURCE Under FCRA 609 ( a ) ( 1 ), I am entitled to : The full source of the information All documents used to verify the account The original creditor documentation, including the signed credit agreement, full account history, and the exact record establishing the Date of First Delinquency You must obtain this information directly from XXXX XXXX. 

Internal screenshots, generic data transfers, or unverifiable electronic files do NOT satisfy federal verification standards. 

If these documents can not be produced, the account must be deleted.

3. FCRA 611 ( a ) ACCOUNT IS UNVERIFIABLE/ INACCURATE / INCOMPLETE Under FCRA 611 ( a ) : You must conduct a reasonable reinvestigation.

If a tradeline is inaccurate, incomplete, or can not be verified, the CRA must delete it.

Under FCRA 611 ( a ) ( 5 ) ( A ), deletion must be permanent if verification fails. 

The conflicting dates, questionable charge-off timeline, and lack of documented proof of delinquency establish that this account is not verifiable to statutory standards.

4. FCRA 623 ( a ) ( 1 ) ( A ) FURNISHER IS REPORTING INACCURATE INFORMATION XXXX XXXX is prohibited from supplying information that it : Knows, or Should know, is inaccurate. 

The reporting of an account : Opened XX/XX/year> First delinquent XX/XX/year> And already charged off indicates either improper data handling or incomplete reporting. 
This is a direct violation of 623 ( a ) ( 1 ) ( A ) and requires removal.

DEMAND FOR ACTION Under FCRA 602, 609, 611, and 623, I formally demand : 1. A complete reinvestigation of the XXXX XXXX  account. 
2. A written Method of Verification compliant with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

3. Immediate and permanent deletion of the account if any portion is : Unverified Incomplete Inaccurate Unsupported by original documentation If you can not obtain authentic original-source documents from XXXX XXXX  , federal law requires permanent deletion.

I expect your full response within the 30-day statutory period.

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