Consumer complaint received 2025-05-23 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX DOB : XX/XX/XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : TransUnion XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX Re : Formal Dispute of XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX  / Double Reporting Additional Issue Potential Duplicate Reporting Across Bureaus : I have identified what appears to be a duplicate or fragmented reporting of the same XXXXXXXX XXXX  account. On my credit report, the same account appears in two different sections one listing shows TransUnion and XXXX  as reporters ( XXXX is blank ), while a separate listing shows XXXX and XXXX ( TransUnion is blank ). This inconsistent placement of the same account creates confusion and falsely inflates the appearance of my debt obligations. It is misleading and materially inaccurate. I am disputing this as potential duplicate reporting and request that this issue be corrected by merging, deleting, or properly clarifying the entries. 

Key Points Summary : This account contains multiple material discrepancies across XXXX XXXX and TransUnion credit reports. It is simultaneously being reported as both Open and Collection, which is legally incompatible. Account types, dates of last activity, date opened, comments, payment history, and balances conflict between bureaus. These violate the Fair Credit Reporting Act ( FCRA ) standard of maximum possible accuracy. 

I demand deletion unless full verification and reconciliation of all conflicts are provided. 

Formal Dispute of Inaccurate Credit Reporting I am writing to dispute the accuracy, consistency, and completeness of the account being reported under XXXX XXXX XXXX, Account # XXXXXXXX XXXX, on my XXXX XXXX and TransUnion credit reports. This account contains material conflicts that violate the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. 

Below are the verified discrepancies : 1. Account Type XXXX : Open XXXX  : Open / Also labeled as Collection TransUnion : Collection Reporting an account as both Open and a Collection is contradictory and misleading. 

2. Account Type Detail XXXX : Unknown - Credit Extension, Review, or Collection XXXX : Collections TransUnion : Collection All three report different or overlapping classifications, which can not simultaneously apply. 

3. Terms XXXX : 1 Month XXXX : 0 Months TransUnion : Not listed 4. Balance XXXX  : {$720.00} XXXX : {$720.00} TransUnion : Not reported ( blank ) Omitting the balance on one bureau renders the account incomplete. 

5. Date Opened XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX TransUnion : XX/XX/XXXX All dates should align. TransUnion reports a later open date. 

6. Last Reported Date XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX 7. Comments XXXX : Seriously past due and has been assigned to an attorney, collection agency, or the credit grantors internal collection department XXXX : Collection Account TransUnion : Placed for Collection All three report differing descriptions. 

8. Date of Last Activity XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX These three dates can not all be accurate. 

9. Date of Last Payment XXXX : Blank XXXX  : XX/XX/XXXX TransUnion : Blank 10. Two-Year Payment History XXXX : Delinquencies from XX/XX/XXXX to XX/XX/XXXX XXXX : OK from XX/XX/XXXX to XX/XX/XXXX ; XX/XX/XXXX blank TransUnion : No 2-year payment history shown This inconsistency misrepresents my actual payment behavior. 

FCRA Violations Per FCRA 1681e ( b ), data furnishers must ensure maximum possible accuracy. Per 1681i ( a ) ( 1 ) ( A ), all disputes require a reasonable reinvestigation. Simply updating data without resolving conflicting information is noncompliant. If unverifiable, 1681i ( a ) ( 5 ) ( A ) mandates deletion. 

I also invoke my right under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) to request the Method of Verification ( MOV ) if the item is not deleted. This includes : -Name, address, and contact of the data furnisher -Procedure used during reinvestigation -Copies of all records relied upon Requested Action : Delete the XXXX XXXX account from all three reports due to conflicting, unverifiable data. 
If not deleted, provide complete documentation and MOV details per FCRA. 
Do not update without resolving every specific inconsistency listed above. 

Final Note : Failure to comply will result in formal complaints to the CFPB, New York State Attorney General, and possible legal action under FCRA 1681n and 1681o for willful or negligent noncompliance. 

Please respond within 30 days as required by law and confirm your findings in writing. 

Attached : State-issued ID Bank statement ( proof of address ) Highlighted copy of credit report inconsistencies Sincerely, 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