Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
To : TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SSN ( Last XXXX Digits ) : XXXX Date : XX/XX/XXXX Subject : Formal Demand for Deletion of Inaccurate, Obsolete, and Unverifiable Data FCRA 1681i, 1681e, 1681g, FDCPA 809 Dear TransUnion Compliance Department , As of today, you are knowingly reporting false, outdated, and unverifiable information on my consumer credit file, causing financial harm and denials from lenders. This letter serves as my formal dispute and validation request under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

I demand that you investigate and immediately remove the following items from my credit report within the timeframe outlined by federal law ( 30 calendar days ), per FCRA 1681i ( a ) ( 1 ) ( A ). 

Disputed Accounts & Violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting negatively. I request original contract with wet-ink signature. If not produced, delete immediately under 1681i. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No record of public bankruptcy. Validate debt ownership. Under 1681g ( a ) and FDCPA 809, you must provide signed agreement. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Provide full validation of this alleged account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Public record shows no bankruptcy. If not verifiable, must be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported as " terminated '' ; I do not own this account. Must be deleted unless verified with original signed application. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX different creditor addresses, and late payments reported without any written notices as required under 15 U.S.C. 1692e. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Outdated, inaccurately linked to bankruptcy. Delete under 1681c ( a ) ( 4 ) ( 7-year rule ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported charge-offs dated XXXX, which is clearly impossible. This is false data and must be deleted under 1681e ( b ) and 1681i ( a ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Outdated, falsely tied to bankruptcy. No record exists in public info. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  False late payments. Please validate and remove if unverified. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reports XXXX lates with XXXX different creditor addresses and no written notices as required by FDCPA 809 ( a ).

Misreported Personal Information : My file shows wrong names, misspelled middle initials, and incorrect addresses, all violating FCRA 1681g ( a ) ( 2 ) and 1681e ( b ). 
You are required to maintain accurate personal identifiers and correct them upon request. 

No Bankruptcy on File Remove All Mentions : My public records confirm that I have XXXX public records in regard to filed bankruptcy. 


Attached Documentation : Bank denial letters citing your inaccurate report FTC Identity Theft and Error Report Proof of misreported names, addresses, and account errors DEMAND FOR COMPLIANCE : Per FCRA 1681i, you are legally required to : Investigate these disputes within 30 days Remove any item that can not be verified by the original creditor with signed proof Provide me with a new copy of my credit file and a description of the procedure used Failure to comply will result in : Filing complaints with the CFPB, FTC, State Attorney General Legal action under FCRA 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ) Claims for actual, statutory, and punitive damages, attorneys fees, and court costs FINAL NOTICE : You have one opportunity to correct these errors. Any future violations or failure to delete unverifiable data will be interpreted as willful and malicious noncompliance with federal law.

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