Consumer complaint received 2025-09-10 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: MI

Complaint narrative:
TransUnion LLC XXXX XXXXXXXX XXXX XXXX, PA XXXX Re : Formal Dispute Request for Reinvestigation File Number : XXXX XXXX To Whom It XXXX Concern, I am writing to dispute inaccurate and unverifiable information that remains on my TransUnion credit report XXXX violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. This letter serves as a formal demand for reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ).

After reviewing your recent investigation results, I identified multiple factual inaccuracies and reporting violations that must be removed immediately : XXXX. XXXX XXXXXXXX Account # XXXX * * Balance Inaccuracy : Report shows {$630.00} balance on a charged-off account, which is contradictory. A charge-off can not continue to report an unpaid balance without evidence of ownership/collection rights. 
Date of First Delinquency ( XXXX ) : XXXX is unclear and not properly disclosed. FCRA requires accurate reporting of XXXX under 623 ( a ) ( 5 ). 
Duplicate & Conflicting Remarks : " Charged-off, '' " Closed by XXXX XXXX, '' and " Unpaid Balance Charged Off '' are duplicative and misleading per XXXX XXXX standards. 
XXXX XXXX XXXX : Payment history shows " OK '' in months after charge-off, which is inaccurate and misrepresents account status. 
Requested Action : Provide the complete account-level documentation ( application, contract, payment ledger, charge-off accounting, and XXXX records ). If unavailable, this account must be deleted. 

XXXX. XXXX Account # XXXX * * Balance/Charge-off Conflict : The account reflects a {$660.00} charge-off while simultaneously listing a high balance of {$500.00}. A charged-off balance can not exceed the reported high balance, which is a material inaccuracy. 
Payment History Errors : History reflects C/O inconsistently, with overlapping months listed as XXXX. This is a clear reporting error under XXXX XXXX compliance. 
Re-aging Concern : The last payment date ( XX/XX/XXXX ) conflicts with the delinquency reporting and XXXX improperly extend the XXXX reporting period in violation of FCRA 605 ( a ). 
Requested Action : Provide validation of balance calculation, DOFD documentation, and all payment ledger records. If such documentation can not be produced, this account must be permanently deleted. 

Legal Basis for Dispute FCRA 611 requires the CRA to conduct a reasonable reinvestigation of disputed information. XXXX solely on automated XXXX responses from furnishers without reviewing underlying documentation is not compliant. 
FCRA 623 ( a ) ( 1 ) ( A ) prohibits reporting information that is inaccurate or can not be verified. 
XXXX XXXX guidelines require consistent and non-misleading reporting ; the above accounts fail to meet those standards. 
Final Demand : Unless TransUnion can provide full validation and correct the above-listed errors with documented proof from the furnishers, I demand the deletion of these accounts from my credit file within 30 days as required by law. 

Please send me a corrected copy of my credit report upon completion of your reinvestigation. 

Sincerely, [ XXXX XXXX [ XXXX XXXX [ XXXX ) XX/XX/XXXX Please provide all documentation that includes the XXXX for the charge off being reported on my credit report. 


On XXXX XXXXXX/XX/XXXX, XXXX XXXX, XXXX ( XXXX XXXX XXXX wrote : Attached is the last response from TransUnion XXXX Your file remains closed. 




-- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX XXXX To : " XXXX, XXXX ( XXXX ) '' XXXXXXXX XXXX XXXX Cc : XXXX : Date : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX Subject : RE : XXXX, XXXX XXXX XXXX TransUnion XXXX XXXX XXXX CAUTION : This is an External email. Please send suspicious emails to XXXX Good afternoon, Attached, is a copy of the email ( with response letter attached ) that was sent on XX/XX/XXXX for this complaint. Ive included a standalone copy of the response letter in case you have an issue opening the email attachment. 


Thanks, XXXX XXXX : XXXX, XXXX ( XXXX ) Sent : XXXX XX/XX/XXXX XXXX PM To : XXXX  ; XXXX Subject : RE : XXXX, XXXX XXXX XXXX TransUnion XXXX XXXX XXXXXXXX Please review the attached consumer reply and provide us a response in the next 14 days. Feel free to reach out with any questions. XXXX XXXX XXXX XXXX XXXX Department XXXX Attorney General XXXX. XXXX XXXXXXXX XXXX, MI XXXX Please review the attached consumer reply and provide us a response in the next 14 days. 


Feel free to reach out with any questions. 


XXXX XXXX XXXX XXXX XXXX Department of Attorney General XXXX. XXXX XXXX XXXX, MI XXXX Phone : XXXX Fax : XXXX -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX XXXX To : " XXXX, XXXX ( XXXX ) '' XXXX, XXXX XXXX Cc : XXXX : Date : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Subject : RE : XXXX, XXXX XXXX XXXX TransUnion XXXX XXXX XXXX Good afternoon, Attached, please find the response for this complaint. 


Sincerely, TransUnion XXXX XXXX XXXX XXXX XXXX This email including, without limitation, the attachments, if any, accompanying this email, XXXX contain information which is confidential or privileged and exempt from disclosure under applicable law. The information is for the use of the intended recipient. If you are not the intended recipient, be aware that any disclosure, copying, distribution, review or use of the contents of this email, and/or its attachments, is without authorization and is prohibited. If you have received this email in error, please notify us by reply email immediately and destroy all copies of this email and its attachments. 




From : XXXX, XXXX ( XXXX ) Sent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : RE : XXXX, XXXX XXXX XXXX TransUnion XXXX XXXX  XXXX This office previously wrote to you regarding the complaint of the above. To date we have received no response. At that time, you were informed we would make no judgment regarding the validity of the complaint until we received your response. 


This office previously wrote to you regarding the complaint of the above. To date we have received no response. 


At that time, you were informed we would make no judgment regarding the validity of the complaint until we received your response. In addition, you were informed that your answer was important in our determination whether further action is warranted. It will expedite the processing of this complaint if you send your response to this email, XXXX. 


This office enforces the XXXX XXXX XXXX and other consumer laws under the jurisdiction of the Attorney General and is charged with investigating all potentially unfair and deceptive trade practices. Failure to respond XXXX necessitate our requesting a court order to require you and/or your business to appear in this office for questioning or for a review of your records. Failure to comply and continued violation of a prohibited practice XXXX result in the court fining your business up to {$25000.00}, and any person who avoids or ignores a subpoena XXXX be fined up to {$5000.00} by the court. In addition, the XXXX XXXX award costs and attorney fees. 


To avoid expensive and time consuming legal action, we trust you will contact our office within XXXX days, in writing. 


Department of Attorney General XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX Phone : XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Thu, XX/XX/XXXX, XXXX Subject : Re : TransUnion XXXX To : XXXX, XXXX ( XXXX ) XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Re : Formal Dispute Request for Reinvestigation File Number : XXXX XXXX To Whom It XXXX Concern, I am writing to dispute inaccurate and unverifiable information that remains on my TransUnion credit report XXXX violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. This letter serves as a formal demand for reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ). 

After reviewing your recent investigation results, I identified multiple factual inaccuracies and reporting violations that must be removed immediately : XXXX. XXXX XXXX Account # XXXX * * Balance Inaccuracy : Report shows {$630.00} balance on a charged-off account, which is contradictory. A charge-off can not continue to report an unpaid balance without evidence of ownership/collection rights. 
Date of XXXX XXXX ( XXXX ) : DOFD is unclear and not properly disclosed. FCRA requires accurate reporting of XXXX under 623 ( a ) ( 5 ). 
Duplicate & Conflicting Remarks : " Charged-off, '' " Closed by XXXX XXXX, '' and " Unpaid Balance Charged Off '' are duplicative and misleading per XXXX XXXX standards. 
XXXX XXXX XXXX : Payment history shows " OK '' in months after charge-off, which is inaccurate and misrepresents account status. 
Requested Action : Provide the complete account-level documentation ( application, contract, payment ledger, charge-off accounting, and XXXX records ). If unavailable, this account must be deleted. 

XXXX. XXXX Account # XXXX * * Balance/Charge-off Conflict : The account reflects a {$660.00} charge-off while simultaneously listing a high balance of {$500.00}. A charged-off balance can not exceed the reported high balance, which is a material inaccuracy. 
Payment History Errors : History reflects C/O inconsistently, with overlapping months listed as XXXX. This is a clear reporting error under XXXX XXXX compliance. 
Re-aging Concern : The last payment date ( XX/XX/XXXX ) conflicts with the delinquency reporting and XXXX improperly extend the XXXX reporting period in violation of FCRA 605 ( a ). 
Requested Action : Provide validation of balance calculation, DOFD documentation, and all payment ledger records. If such documentation can not be produced, this account must be permanently deleted. 

Legal Basis for Dispute FCRA 611 requires the CRA to conduct a reasonable reinvestigation of disputed information. XXXX solely on automated XXXX responses from furnishers without reviewing underlying documentation is not compliant. 
FCRA 623 ( a ) ( 1 ) ( A ) prohibits reporting information that is inaccurate or can not be verified. 
XXXX XXXX guidelines require consistent and non-misleading reporting ; the above accounts fail to meet those standards. 
Final Demand : Unless TransUnion can provide full validation and correct the above-listed errors with documented proof from the furnishers, I demand the deletion of these accounts from my credit file within 30 days as required by law. 

Please send me a corrected copy of my credit report upon completion of your reinvestigation. 

Sincerely, [ XXXX XXXX [ XXXX XXXX [ XXXX ) XX/XX/XXXX Please provide all documentation that includes the XXXX for the charge off being reported on my credit report. 


On XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX, XXXX ( XXXX XXXX XXXX wrote : Attached is the last response from TransUnion XXXX Your file remains closed. 




-- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX XXXX To : " XXXX, XXXX ( XXXX ) '' XXXX, XXXX XXXX Cc : XXXX : Date : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX Subject : RE : XXXX, XXXX XXXX XXXX TransUnion XXXX XXXX XXXX CAUTION : This is an External email. Please send suspicious emails to XXXX Good afternoon, Attached, is a copy of the email ( with response letter attached ) that was sent on XX/XX/XXXX for this complaint. Ive included a standalone copy of the response letter in case you have an issue opening the email attachment. 


Thanks, XXXX XXXX : XXXX, XXXX ( XXXX ) Sent : XXXX XX/XX/XXXXXXXX XXXX XXXX To : XXXX XXXX XXXX Subject : RE : XXXX, XXXX XXXX XXXX TransUnion XXXX XXXX XXXXXXXX Please review the attached consumer reply and provide us a response in the next 14 days. Feel free to reach out with any questions. XXXX XXXX XXXX XXXX XXXX Department of Attorney General XXXX. XXXX XXXX XXXXXXXX, MI XXXX Please review the attached consumer reply and provide us a response in the next 14 days. 


Feel free to reach out with any questions. 


XXXX XXXX XXXX XXXX XXXX Department of Attorney General XXXX. XXXX XXXX XXXX, MI XXXX Phone : XXXX Fax : XXXX -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX XXXX To : " XXXX, XXXX ( XXXX ) '' XXXX, XXXX XXXX Cc : XXXX : Date : Wed, XXXX XX/XX/XXXX XXXX XXXX Subject : RE : XXXX, XXXX XXXX XXXX TransUnion XXXX XXXX XXXX Good afternoon, Attached, please find the response for this complaint. 


Sincerely, TransUnion XXXX XXXX XXXX XXXX XXXX This email including, without limitation, the attachments, if any, accompanying this email, XXXX contain information which is confidential or privileged and exempt from disclosure under applicable law. The information is for the use of the intended recipient. If you are not the intended recipient, be aware that any disclosure, copying, distribution, review or use of the contents of this email, and/or its attachments, is without authorization and is prohibited. If you have received this email in error, please notify us by reply email immediately and destroy all copies of this email and its attachments. 




From : XXXX, XXXX ( XXXX ) Sent : XXXX XXXX XXXX XXXX XXXX XXXX To : XXXX  Subject : RE : XXXX, XXXX XXXX XXXX TransUnion XXXX XXXX XXXXXXXX This office previously wrote to you regarding the complaint of the above. To date we have received no response. At that time, you were informed we would make no judgment regarding the validity of the complaint until we received your response. 


This office previously wrote to you regarding the complaint of the above. To date we have received no response. 


At that time, you were informed we would make no judgment regarding the validity of the complaint until we received your response. In addition, you were informed that your answer was important in our determination whether further action is warranted. It will expedite the processing of this complaint if you send your response to this email, XXXX. 


This office enforces the XXXX XXXX XXXX and other consumer laws under the jurisdiction of the Attorney General and is charged with investigating all potentially unfair and deceptive trade practices. Failure to respond XXXX necessitate our requesting a court order to require you and/or your business to appear in this office for questioning or for a review of your records. Failure to comply and continued violation of a prohibited practice XXXX result in the court fining your business up to {$25000.00}, and any person who avoids or ignores a subpoena XXXX be fined up to {$5000.00} by the court. In addition, the XXXX XXXX award costs and attorney fees. 


To avoid expensive and time consuming legal action, we trust you will contact our office within XXXX days, in writing. 


Department of Attorney General XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MI XXXX Phone : 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