Consumer complaint received 2025-09-07 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX XXXX : XX/XX/XXXX | SSN ( last XXXX ) : XXXX Email : XXXX | Phone : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Re : Formal Dispute of Account XXXX XXXX, Acct XXXX  XXXX Introduction This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq., regarding the tradeline reported by XXXX XXXX, Account XXXX XXXXXXXX. This account contains several inconsistencies, inaccuracies, and incomplete data, which violates the duty to ensure maximum possible accuracy under FCRA XXXX ( b ), 15 U.S.C. XXXX ( b ). 

I further note that disputes submitted via CFPB.gov complaints must be treated as direct disputes under FCRA XXXX ( a ) ( XXXX ), 15 U.S.C. XXXX ( a ) ( XXXX ), meaning you must investigate with the same rigor as if the dispute were submitted directly. 

Disputed Inaccuracies XXXX. Reported as a Collection Account but Shows {$0.00} Monthly Payment & {$0.00} Past Due TransUnion reports this account as a collection/charge-off. 

However, the tradeline reflects {$0.00} monthly payment and {$0.00} past due balance. 

A collection account can not logically show both in collections and {$0.00} due, as this is inconsistent and misleading. 

This inconsistency violates FCRA XXXX ( b ) ( maximum possible accuracy ). 

XXXX. Payment Status vs. Payment History Payment Status : Collection/Charge Off. 

Payment History : Blank ( no grid or data ). 

If the account was charged off or in collection, there must be a delinquency history leading to that outcome. Reporting the derogatory status without furnishing the underlying payment history is incomplete reporting under FCRA XXXX ( b ) and XXXX ( a ) ( XXXX ) ( A ). 

XXXX. Date of Last Payment Blank TransUnion reports the Date of Last Payment as blank. 

A collection account without a reported last payment date is materially incomplete and potentially misleading to creditors. 

XXXX. Missing Delinquency History ( XX/XX/XXXX Days Late ) This account is reported as a collection/charge-off, yet TransUnion shows no delinquency history grid ( XXXXday late notations ). A collection or charge-off account, by definition, must be preceded by a period of delinquency. Reporting the end-result derogatory status without the underlying delinquency history is materially incomplete and misleading, in violation of FCRA XXXX ( b ), 15 U.S.C. XXXX ( b ), which requires credit reporting agencies to assure maximum possible accuracy. This omission also undermines the ability of creditors to make fair and accurate lending decisions. 

Legal Authority FCRA XXXX ( a ) ( XXXX ) ( A ), 15 U.S.C. XXXXi : Requires CRAs to conduct a reasonable reinvestigation of disputed information within XXXX days. 

FCRA XXXX ( b ) : Requires CRAs to assure maximum possible accuracy in credit reporting. 

FCRA XXXX ( a ) ( XXXX ) ( A ) : Prohibits furnishers from reporting incomplete or inaccurate information. 

FCRA XXXX ( a ) ( XXXX ) : Clarifies that disputes submitted via CFPB.gov are direct disputes and must be investigated accordingly. 

FCRA XXXX ( a ) ( XXXX ) : Requires furnishers to mark accounts as disputed when applicable. 

Case Law : XXXX XXXX Trans Union, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) CRAs can not merely parrot the furnisher ; they must conduct an independent, reasonable investigation. FTC XXXX XXXX XXXX XXXX XXXX ( XXXX ) Re-aging or misleading reporting violates FCRA. 

Conditional Method of Verification Request If this account is verified as accurate, I hereby demand the Method of Verification under FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ), 15 U.S.C. XXXX ( a ) ( XXXX ) ( B ) ( XXXX ). Specifically, provide within XXXX days : The business name, address, and telephone number of each furnisher contacted. 

A description of the documentation relied upon in verifying this tradeline. 

This request is made now so the statutory XXXX deadline begins immediately upon any verification. 

Deadlines XXXX days : Complete reinvestigation and provide written results ( per XXXX ( a ) ( XXXX ) ( A ) ). 

XXXX days : Provide full Method of Verification following any verification. 

Preservation of Rights If TransUnion fails to correct or delete this inaccurate account, it will be treated as willful noncompliance under the FCRA. I preserve all rights to pursue remedies through the CFPB, FTC, state regulators, and private litigation, including statutory and actual damages, attorneys fees, and injunctive relief. 

Respectfully, 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