Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
Subject : Formal Dispute of Reinserted Inaccurate XXXX XXXX  Account Violations of FCRA XXXX ( a ) ( XXXX ) ( B ) and Reporting Errors To Whom It May Concern, I am formally disputing the XXXX XXXXXXXX account ( Account # XXXX ) due to multiple factual inaccuracies and severe violations of my rights under the Fair Credit Reporting Act ( FCRA ). This account has been removed from my credit reports multiple times but has been reinserted on at least XXXX occasions without any prior written notice, in violation of FCRA Section XXXX ( a ) ( XXXX ) ( B ) [ 15 U.S. CXXXXe XXXX ( a ) ( XXXX ) ( B ) ]. 

Additionally, the account contains several factual reporting errors across all XXXX  credit bureaus : XXXX. Inconsistent credit limits : TransUnion and XXXX report a {$300.00} limit XXXX reports {$0.00} limit, which is inaccurate XXXX. Inconsistent payment status : TransUnion and XXXX : XXXX days late XXXX : XXXX  days late XXXX. Inconsistent account activity dates : TransUnion : Last active on XX/XX/XXXXXXXX XXXX : Last active on XX/XX/XXXXXXXX XXXX : XX/XX/XXXX XXXX. Balance reporting mismatch : XXXX  : {$470.00} TransUnion and XXXX : {$490.00} XXXXXXXX XXXX falsely reports that the account was previously in dispute and now resolved by the data furnisher. 
However, this account was never properly verified, nor was any evidence of verification provided upon request. 

These discrepancies show that the data furnishers have failed to maintain accurate and consistent reporting in violation of FCRA XXXX ( b ) [ 15 U.S.C. XXXX ( b ) ], which mandates that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy. 

Furthermore, repeated reinsertion without proper notice is a direct violation of FCRA XXXX ( a ) ( XXXX ) ( B ), which states that if a previously deleted item is reinserted, I must be notified in writing within XXXX business days. I was never notified, and this has happened on multiple occasions. 

Additional Observation Payment History Errors : The XXXX payment history reported for this account contains major factual errors : TransUnion shows XXXX consecutive months marked as XXXXday late payments, which is inconsistent and highly questionable for a closed account. 
XXXX displays only OK payments, which conflicts with the XXXXday late status shown above. 
XXXXXXXX also shows only OK payments in the monthly grid, while reporting a XXXXday late status in the account summary a direct contradiction. 
These inconsistencies across bureaus further demonstrate negligence in reporting standards and clear violations of FCRA XXXX ( b ), requiring accuracy and consistency in all reported information. 

Requested Resolution : I am demanding the permanent deletion of this XXXX XXXXXXXX account from all XXXX credit bureaus ( TransUnion, XXXX, and XXXX XXXX due to : Inaccurate and inconsistent reporting Failure to verify during disputes Multiple unauthorized reinsertions in violation of federal law Please remove this account immediately to comply with the FCRA.

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