Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX Coach XXXX XXXX XXXX, FL XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Request for General Investigation and Reinvestigation of Questionable Account Information Re : FCRA Section 611 ( 15 U.S.C. 1681i ) - Reinvestigation of Disputed Accounts Dear TransUnion, I am writing to formally request a comprehensive reinvestigation of multiple accounts currently appearing on my TransUnion credit report. After reviewing my file, I have identified several items that appear inaccurate, incomplete, or unverifiable, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Under FCRA 611 ( a ), you are required to conduct a reasonable reinvestigation to ensure the maximum possible accuracy of all information you report. If the accuracy of any item can not be verified, it must be promptly deleted from my credit report under FCRA 611 ( a ) ( 5 ). 
XXXX. XXXX XXXX XXXX  - Account No. XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX Floor, XXXX, SC XXXX Phone : ( XXXX ) XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Reported Remarks : Settled - Less Than Full Balance ; Closed Pay Status : Paid, Closed ; was 90 days past due Dispute Basis : - Payment history reflects conflicting entries showing months marked " unknown '' and " late '' during periods where the account is also listed as " paid as agreed. '' - Account was closed and settled in XXXX, yet adverse notations continue to affect my report as recent derogatories. 
- These inconsistencies violate FCRA 607 ( b ), which requires credit bureaus to maintain maximum possible accuracy.

Requested Action : Please verify all dates of delinquency, correct the payment history, and remove any unverifiable or inconsistent late entries that are no longer supported by valid records. 
XXXX. XXXX XXXX XXXX- Account No. XXXX XXXX XXXX XXXX XXXX  Address : XXXX Corporate Bld, XXXX XXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} Original Creditor : XXXX XXXX XXXX  ( XXXX ), XXXX. 
Remarks : Completed investigation of FCRA dispute - consumer disagreed ; Placed for Collection Dispute Basis : - This account has been disputed previously, yet no adequate documentation of ownership or assignment has been provided. 
- " Consumer disagreed '' is not a valid verification response under FCRA 611 ( a ) ( 5 ) ; actual proof of legal right to collect must exist.

- Verification must include the original contract or bill of sale confirming XXXX XXXX XXXX ' lawful authority to report or collect this debt. 
Requested Action : Reinvestigate this item and obtain full documentation proving ownership and accuracy. If such documentation can not be provided, this collection account must be deleted immediately. 
XXXX. XXXX  XXXX XXXX - Account No. XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX Date Opened : XX/XX/XXXX Original Creditor : Capital XXXX XXXX XXXX XXXX : {$150.00} Remarks : Account information disputed by consumer ( FCRA ) ; Placed for Collection Dispute Basis : - This collection account lacks sufficient evidence of ownership or a valid chain of title from the original creditor. 
- The reported balance and last payment date appear inconsistent with the creditor 's actual records. - Continued reporting without complete verification constitutes a violation of FCRA 611 ( a ) and 623 ( a ) ( 1 ) ( A ).

Requested Action : Please provide verification of the assignment or purchase agreement showing XXXX XXXX XXXX XXXX has legal ownership and the right to report this debt. If you can not verify, this item must be deleted from my report. 
Summary of Requests : Under FCRA 611 ( a ), I am requesting : 1. A full reinvestigation of the three disputed accounts.

2. Written results of the investigation within 30 days of receipt of this letter.

3. An updated copy of my TransUnion credit report reflecting all deletions or corrections.

4. The name, address, and phone number of each furnisher you contacted during your investigation. 
Please consider this letter my formal notice of dispute and reinvestigation request. If any of these items remain unverifiable, they must be deleted as required by federal law. 
Thank you for your prompt attention to this matter. 
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