Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Reporting FCRA 602, 607, 611, 623 To Whom It May Concern, I am writing to dispute inaccurate and misleading information on my credit reports under the Fair Credit Reporting Act ( FCRA ). 

Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX High Balance : {$5000.00} Balance Owed : {$0.00} Disputed Items : XXXX. Payment Status The account is closed and paid with a {$0.00} balance, yet it is inaccurately reporting as Late 30 Days on XXXX  and Late 60 Days on TransUnion. A {$0.00} closed account can not be past due. 
XXXX. Account Rating Inconsistent : XXXX  shows Paid, TransUnion shows Closed. Both should consistently reflect Closed/ Paid in Full. 
XXXX. Creditor Remarks Inconsistent : TransUnion shows Closed, XXXX  shows blank. Missing remarks misrepresents the status. 
XXXX. Date of Last Activity / Reported Inconsistent dates across bureaus. The same account must report with the same dates. 
5. Creditor Type Inconsistent reporting ( Non-traditional installment vs. All Banks ). This is inaccurate and confusing. 



Legal Basis for My Dispute FCRA 602 ( A ) : Consumers are entitled to fair and accurate credit reporting.

FCRA 607 ( b ) : Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy.

FCRA 611 ( 15 U.S.C. 1681i ) : I have the right to dispute incomplete or inaccurate information, and you must investigate within 30 days.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers of information may not furnish data they know or should know is incomplete or inaccurate.

FCRA 623 ( a ) ( 2 ) : Furnishers must promptly correct and update any information found to be incomplete or misleading.

FCRA 623 ( a ) ( 5 ) : Furnishers must accurately report accounts that are closed and paid, not as delinquent.

FCBA ( Fair Credit Billing Act ) : Provides consumers the right to dispute billing/reporting errors.

ECOA ( Equal Credit Opportunity Act ) : Creditors must ensure consistent, fair reporting across bureaus.

CFPB Guidance : The CFPB requires that closed, {$0.00} balance accounts not be reported in a manner that is misleading or suggests ongoing delinquency.

My Request I demand the following corrective actions : 1. Remove the Late 30 Days and Late 60 Days notations from this account.

2. Update the account to reflect Closed/ Paid as Agreed / {$0.00} balance across all bureaus. 
XXXX. Ensure consistency of account details ( status, remarks, dates, and creditor type ) across XXXX XXXX and TransUnion. 
XXXX. Provide me with written confirmation of the results of this investigation within 30 days, as required by FCRA 611. Thank you for your prompt attention. Please consider this letter a formal dispute under the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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