Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX I have been disputing this for years with all credit bureaus. XXXX and XXXX removed from my report as the information is inaccurately reported however transunion refuses to remove this from my report without cause. 

I have disputed it directly with transunion and now have submitted it be removed through XXXX XXXX directly. 

XXXX XXXX XXXX XXXX ( XXXX ) Attn : Credit Bureau Management / Credit Bureau Disputes XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute and Request for Verification - Account # XXXX To Whom It May Concern, I am writing to formally dispute inaccurate and misleading information associated with Account Number : XXXX, currently being reported by XXXX XXXX XXXX XXXX credit bureaus. 
Your records indicate a payment of {$1400.00} on XX/XX/XXXX, which I did not authorize or make. I request immediate written documentation and clarification regarding : - Who made this payment - The method and source of payment - The institution or account it came from - When and how it was processed and applied to my account This account is tied to a XXXX XXXX XXXX, leased in XX/XX/XXXX under a 36-month lease. I returned the vehicle in XX/XX/XXXX, six months before the scheduled lease-end, to the same dealership where it was leased. The total lease obligation was {$10000.00}, and the ending balance at the time of return was {$5600.00}. I request additional documentation including : - When the vehicle was sold at auction - The final sale amount - A breakdown of how the sale was applied to the balance Additionally, I would like to note that the date of delinquency on this account was XX/XX/XXXX. 
In accordance with the Fair Credit Reporting Act ( FCRA ), this account must be removed from my credit report no later than XX/XX/XXXX - seven years from the original delinquency. Any reporting activity that extends the derogatory status beyond this date constitutes illegal re-aging of the debt and a direct violation of federal law. 
Despite the vehicle return in XXXX and the lack of any valid balance or collection activity, your company continues to report this account as delinquent and derogatory through XXXX, which is clearly inaccurate, misleading, and harmful to my credit profile. 
This false information is significantly affecting my ability to qualify for a mortgage and obtain stable housing. If this matter is not corrected immediately, I will escalate this to the Consumer Financial Protection Bureau ( CFPB ) and pursue any available legal actions for violations of the FCRA and continued financial harm. 
Please consider this a formal dispute and verification request. I am requesting a complete investigation and written response within 30 days, per your obligations under the FCRA. I have included a copy of my government-issued ID and proof of residence to verify my identity. 
Sincerely,

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