Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Under FCRA 15 U.S.C. 1681b I am writing to formally dispute certain information in my credit report that I believe is inaccurate. According to my credit report dated [ XXXX ], the following items are incorrect : Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX To Whom It May Concern, I am writing to dispute inaccurate information appearing in my credit file. The account listed as XXXX XXXX, Account # XXXX is reporting multiple late payments and a past-due balance, which I believe is inaccurate and requires reinvestigation. 

The issues are as follows : The payment history shows XXXX late payments, which is incorrect and does not reflect my actual payment record.

The reported {$110.00} past-due amount is inaccurate.

The status " Open. Past due '' does not match my records.

Under the Fair Credit Reporting Act ( FCRA ), I request a reinvestigation of this account and removal or correction of all inaccurate late payments, past-due amounts, and the account status.

Please provide : Verification of the dates and amounts of each reported late payment. 

Documentation from the original creditor validating the accuracy of the reporting. 

If the furnisher can not verify these details, the information must be corrected or deleted. 

Thank you for your timely attention. 

Sincerely, DISPUTE LETTER XXXX Student Loan # 1 Account Number : XXXX To Whom It May Concern, I am disputing the accuracy of the payment history reported on the XXXX account # XXXX. 

The account is showing multiple late payments, including 90, 120, 150, and 180 days past due, which I dispute as inaccurate.

These negative items do not match my payment records, and I am requesting a full reinvestigation under the FCRA. 

Please verify : All dates of delinquency The exact balances reported at the time of the alleged late payments Payment posting history Whether forbearances, deferments, or COVID-related relief periods should have prevented these late marks If the furnisher can not provide documentation proving accuracy, I request removal or correction of the disputed entries. 

Sincerely, DISPUTE LETTER MOHELA/NAVIENT Student Loan # 2 Account Number : XXXX ( This is the second loan under the same servicer. ) To Whom It May Concern, This letter is to dispute inaccurate payment information on XXXX account # XXXX ( Loan 2 ).

This account is also showing 90180 day late payments, which I dispute on the basis of inaccurate reporting. Please conduct a reinvestigation and provide verification of these delinquencies. 

If you can not verify, the late payments must be removed. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Late payments/ closed account ) Account Number : XXXX To Whom It XXXX Concern, I am disputing late payment information on XXXX XXXX account # XXXX. 

The account shows 30- and 60-day late payments, but I believe these are inaccurate. This Buy Now Pay Later account was paid and closed, and the late marks appear to have been posted in error.

Please verify : Exact payment posting dates Proof of any delinquency That all reported late payments comply with FCRA standards If supporting documentation can not be provided, I request deletion of the negative marks. 

Sincerely, XXXX XXXX XXXX Federal Trade Commission : XXXX Hi, XXXX Call XXXX XXXX XXXX XXXX to report the fraud. 
Completed account XXXX {$8100.00} XXXX XXXX XXXX XXXX XXXX. Explain that someone stole your identity and opened a student loan. 


Ask them to close the fraudulent account and send you a letter confirming that : the fraudulent account is not yours you aren't liable for the account it was removed from your credit report

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