Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX FORMAL DISPUTE AND DEMAND FOR INVESTIGATION XXXX XXXXXXXX XXXX XXXXXXXX - Account # XXXX FORMAL DISPUTE AND DEMAND FOR INVESTIGATION To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of the reporting of the above-referenced account, pursuant to the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ). LEGAL BASIS FOR DISPUTE 15 U.S.C. 1681i Duty to Reinvestigate Upon notice of a dispute, consumer reporting agencies and furnishers of information like XXXX XXXX XXXX XXXX are required to conduct a reasonable reinvestigation to verify the accuracy of the information. Failure to properly verify obligates deletion. 15 U.S.C. 1681s-2 Responsibilities of Furnishers As a furnisher, you may not report information that you know, or reasonably should know, is inaccurate. Once notified of this dispute, you are required to : Investigate the disputed information, Report the results of your investigation to the credit bureaus, and Correct or delete any information found to be inaccurate or unverifiable. UCC Article 9, Part 6 Disposition of Collateral After Default If this account involved repossession, resale, or disposition of collateral, you were required to comply with the provisions of UCC 9-601 through 9-628, including providing notice of disposition, conducting the sale in a commercially reasonable manner, and applying proceeds correctly. If any part of these requirements were not strictly adhered to, the alleged deficiency balance is unenforceable and can not be lawfully collected or reported. DEMANDS Accordingly, I demand the following actions be taken : Immediate deletion of the XXXX XXXX XXXX XXXX tradeline from all credit reporting agencies if you can not provide full documentation proving compliance with both federal law and UCC Part 6. Copies of all contracts, payment histories, notices of default, repossession records, and proof of sale of collateral ( if applicable ), to substantiate any remaining balance you claim. Written confirmation within 30 days that this account has either been corrected with complete supporting documentation or fully deleted from my credit file. NOTICE OF RIGHTS Failure to comply will constitute a willful violation of federal law. I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the State Attorney General, and to pursue all remedies available under the FCRA, UCC, and any other applicable law, including statutory damages, actual damages, attorneys fees, and costs. This letter is written in good faith and with the expectation of full compliance. 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