Consumer complaint received 2025-03-28 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, XXXX  XXXX Subject XXXX Formal Dispute under the Fair Credit Reporting Act ( FCRA ) Verification Failure and Final Warning Before Legal Action To Whom It XXXX Concern, This letter serves as a formal dispute under my rights granted by the Fair Credit Reporting Act ( FCRAXXXX 15 U.S.C. 1681 ) and XXXX XXXX compliance standards. I am disputing the accuracy of file XXXX, as I do not agree with the investigation conducted. Additionally, you have failed to provide me with the XXXX of XXXX ( MOV ) as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 
Errors and Compliance Violations Identified : XXXX. XXXX  XXXX XXXX XXXX Account XXXX ) The reported closure date does not match the information provided by other credit bureaus, violating 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy in consumer reports. 
The payment history displays an X ( Unknown ) which is a XXXX XXXX compliance violation and must be corrected or deleted immediately. 
The highest balance is reported as {$2100.00}, while the credit limit was only {$1500.00}, constituting a XXXX XXXX compliance failure. 
The account is reported as XXXX with a current balance of {$0.00}, which is contradictory and misleading, violating 15 U.S.C. 1681i ( a ) ( 5 ). 
According to IRS definitions, a XXXX is considered taxable income and should not appear on a credit report, making this information inaccurate and misleading under 15 U.S.C. 1681e ( b ). 
Additionally, I contacted XXXX XXXX to ask for the XXXX form and they refused to send it to me. 
Remarks : PURCHASED BY ANOTHER LENDER ; PAID IN XXXX A CHARGE OFF I demand to know who the lender is and the exact month and year when the account was charged off. 
XXXX XXXX Compliance Requirements Not Met : XXXX XXXX XXXX guidelines, TransUnion and XXXX furnishers must follow the XXXX XXXX XXXX and report only accurate and verifiable data. Due to multiple data integrity violations, this account should be deleted immediately to remain in compliance with federal regulations. 
XXXX XXXX Required : XXXX. Provide me with the Method of Verification ( MOV ) I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guidelines. 
2. Identify the lender who purchased this account and the exact date ( month and year ) of the charge-off.

3. If you can not verify 100 % accuracy, you must immediately delete the disputed account from my credit report. 
Final Warning Before Legal Action This is my final attempt to resolve this matter directly with TransUnion. If I do not receive a satisfactory resolution, I will proceed with the following actions without further notice : Formal complaints to the CFPB, the FTC, and my states Attorney General. 
Legal action under 15 U.S.C. 1681n & 1681o, seeking statutory, compensatory, and punitive damages, along with attorney fees and court costs. 
Investigation into XXXX non-compliance with XXXX XXXX, which could expose the company to regulatory penalties. 
I expect a written response within the legally mandated XXXX period at the address provided above.

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