Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to dispute inaccurate, incomplete, and outdated information currently being reported on my credit file. I take the accuracy of my credit report seriously and request your immediate assistance in correcting the errors listed below. 

Account in Dispute : XXXX XXXX XXXX XXXX * * Status : Closed / Short-Term Installment Loan * * This account is inaccurately reporting a XXXX late payment, despite being paid in full by XX/XX/2022. It has carried a {$0.00} balance for over XXXX years. Continuing to report it as derogatory is false, misleading, and in direct violation of FCRA XXXX and XXXX XXXX XXXX guidelines, which mandate that furnishers report only accurate and verifiable information. A one-time delinquency from XXXX that has long been resolved does not reflect my current creditworthiness. 

I am not asking for a simple update I am demanding that the XXXX late remark be permanently deleted, and the account be updated to reflect : " Paid as Agreed/ Closed / {$0.00} Balance / Non-Derogatory . '' Do not suppress or delete the full account only correct the derogatory status in compliance with federal reporting standards. 

As required by FCRA XXXX ( a ) ( XXXX ) and XXXX ( a ), I formally request that you provide the Method of Verification ( MOV ) and full documentation used to verify this account, including : A copy of the original signed agreement or application Full account history and payment records used during any reinvestigation Name and address of the entity that verified this information Evidence of XXXX XXXXcompliant formatting and date tracking Additionally, I am demanding you investigate and explain the re-aging of this account including false Date Opened or Date of Last Activity entries which violates FCRA XXXX ( c ). Re-aging is a deceptive practice that harms consumers and is prohibited under both federal law and XXXX XXXX guidelines. 

Furthermore, I am a confirmed XXXX of both the XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX. This puts your reporting under heightened scrutiny. If any item on my report can not be verified with legally sufficient and XXXX XXXXcompliant documentation, it must be permanently deleted from my file. 

This is your official XXXX notice to respond and comply under federal law. If you fail to delete this unverifiable and inaccurate data, I will file formal complaints with the CFPB, FTC, and State Attorney General, and pursue legal remedies for willful non-compliance under FCRA XXXX and XXXX. 

I also request that any and all claims you maintain be verified with a notarized affidavit from a person with direct first-hand knowledge of the account. This affidavit must confirm that the debt is valid, not previously disputed, not resolved via insurance, and not used for tax deduction or written off as a business loss. 

This is a good-faith opportunity for correction. I expect full compliance within XXXX business days of your receipt of this letter.

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