Consumer complaint received 2025-06-19 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 XXXX, XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX Date Of Birth : XX/XX/XXXX XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Re : Dispute of XXXX Funding Account Acct # XXXX Dear TransUnion, I am formally disputing the accuracy and validity of the XXXX XXXX  account listed on my credit report under the account number XXXX. After reviewing the report, I have identified multiple issues that warrant immediate investigation under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 16811681x ]. 

Dispute Basis : Conflicting Balance Information : The account reflects a balance of {$710.00} while also showing a charge-off status and/or {$0.00} in certain places, creating confusion regarding the actual amount owed.

Inconsistent Account Status : It is listed as both Closed and Charge-Off, which is misleading and constitutes potentially inaccurate reporting under FCRA 1681i ( a ).

Missing Payment History : No monthly payment history is displayed, violating the requirement that information be complete and not misleading per FCRA 1681e ( b ).

Questionable Last Activity Date : The last activity date shows as XX/XX/XXXX, which is inconsistent with the charge-off date ( XXXX ). Please validate this with dated documentation from the original creditor. 

XXXX XXXX XXXX : XXXX XXXX is listed as the current owner, yet no documentation has been provided proving this transfer or assignment. Please provide : Proof of assignment/purchase from XXXX XXXX  Complete chain of title The signed agreement bearing my signature Any itemized account statements Method of Verification Request : If verified, please provide a detailed Method of Verification in compliance with FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), as well as the name and contact information of the person or entity you verified the debt with.

I also dispute this account on the grounds that I do not recognize it and have no knowledge of ever opening an account with XXXX XXXX  or the original creditor, XXXX XXXX XXXX XXXX If this account was opened fraudulently or transferred without proper notice or consent, I request full documentation, including any signed agreements and application records, to validate its legitimacy.

Legal References : FCRA 1681i ( a ) Requires reasonable reinvestigation when a consumer disputes information.

FCRA 1681e ( b ) Mandates accuracy and completeness of consumer report information. 

XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Reinforces that a reinvestigation requires more than a mere parroting of the furnishers claims. 

XXXX v. Equifax, XXXX XXXX XXXX States that reporting a debt without verifying ownership or accuracy violates the FCRA. 

If this account can not be fully verified with the above supporting documentation within 30 days, I respectfully request that it be permanently deleted from my credit report in accordance with the FCRA. 

Attached is a copy of my state id for proof of identity copy of utility for proof of address hightlighted screen shot of XXXX XXXX  Sincerely, XXXX XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX Digits ) : XXXX Phone : ( XXXX ) XXXX Email : 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 explanation