Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX Account Number XXXX Status Open Type Open Unpaid Balance {$940.00} Comments ACCOUNT INFORMATION DISPUTED BY CONSUMER Date Opened XXXX Last Activity XXXX High Balance {$940.00} Monthly Payment -- Current Rating CollectionOrChargeOff Term Source Type -- Original Creditor XXXXXXXX XXXX XXXX Highest Adverse Rating CollectionOrChargeOff Most Recent Adverse Rating CollectionOrChargeOff I am contacting you regarding the inaccurate reporting of the account XXXX XXXX XXXX with number XXXX on my credit report. According to your records, this account is currently listed as CollectionOrChargeOff, opened on XXXX, with a date of last activity recorded as XXXX, and last verified on XXXX. This information is incorrect, and I am requesting the immediate deletion of this account from my credit report. 
Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain and report only accurate information. I also request that you provide me with the specific documentation used to verify this account, along with evidence supporting the {$940.00}, as I firmly dispute this amount. 
The significance of ensuring accurate reporting was notably emphasized in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In this case, the court found that failing to conduct a reasonable investigation into disputed accounts was a violation of the FCRA, resulting in damages awarded to the plaintiff. This ruling underscores your obligation to ensure the accuracy TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX of XXXX of the information reported about my account. 
Furthermore, in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the court highlighted that credit reporting agencies must promptly remove information that is inaccurate or can not be verified. This case establishes a clear precedent that unverifiable information, such as the incorrect details on my report, must be corrected or deleted. 
Considering these legal precedents, I urge you to take immediate action to investigate and rectify this matter, as required by federal law. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX Responsibility - Individual Account Status XXXX Open Balance XXXX {$450.00} Remarks XXXX DISPUTE RESOLVED REPORTED BY GRANTOR Type - Banking Open Date XXXX XXXX Last Activity XXXX XXXX Highest Balance XXXX {$1200.00} Amount Past Due XXXX -- Monthly Payment XXXX {$26.00} Current Payment Status XXXX AsAgreed Term Source Type - Provided Months Reviewed - -- High Credit XXXX XXXX Times XX/XX/XXXX Days Late - XXXX The information in the article above has never been certified to meet reporting standards. The data provided is not always accurate, complete, or up to date. I demand that any wrong, incomplete, or unsupported material be deleted. 
I want to bring to your attention Date Opened ( XXXX ) reporting XXXX. I believe that this account is not compliant with the standards and its reporting ability. As you know, compliance with regulatory mandates such as those set out by federal or state governments are essential for accurate credit card transactions? Prove to me how your information was able meet these high expectations by providing documents which prove otherwise!? 
I was looking at Account Status ( XXXX ) expressing Open The information on this account appears to be inaccurate or inconsistent with established reporting standards of the XXXX. I would like you to review it again and prove me wrong, so that my account can be 100 % accurate! 

TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Page XXXX of XXXX Viewing Account Rating ( XXXX ) demonstrating AsAgreed. You are in serious trouble if you can't provide proof that this account has been compliant with all current regulations! I need evidence to back up your claims. Show me how exactly does it meet these requirements? 
Bring to your attention Creditor Remarks ( XXXX ) reporting DISPUTE RESOLVED REPORTED BY GRANTOR I think this account is inaccurate because it doesn't follow the required standards. I challenge you to prove that this account and your reporting practices and process are perfect and complete. That includes following the Credit Reporting Industry 's Metro 2 Format standards. If you can't do that, then clearly my credit report and what youre reporting for is not accurate. 
XXXXXXXX XXXX  Account Number XXXX Status Closed Type Revolving Unpaid Balance {$170.00} Comments PROFIT AND LOSS WRITEOFF Date Opened XXXX Last Activity XXXX High Balance {$530.00} Monthly Payment {$0.00} Current Rating CollectionOrChargeOff Term Source Type -- Original Creditor -- Highest Adverse Rating CollectionOrChargeOff Most Recent Adverse Rating CollectionOrChargeOff I found an error with account XXXX XXXX ( XXXX ) on my credit report. It says CollectionOrChargeOff, with dates XXXX and XXXX. This needs fixing because its hurting my credit. 
By law, 15 U.S.C. 1681i, I ask that you delete this account and show proof of the {$170.00}. 
XXXX XXXX XXXX Account Number XXXX XXXX Responsibility - Individual Account Status XXXX Open Balance XXXX {$28.00} Remarks XXXX -- Type - Clothing Open Date XXXX XXXX Last Activity XXXX XXXX Highest Balance XXXX {$260.00} Amount Past Due XXXX -- TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Page XXXX of 7 Monthly Payment XXXX {$37.00} Current Payment Status XXXX AsAgreed Term Source XXXX - Provided Months Reviewed - -- High Credit XXXX XXXX Times XX/XX/XXXX Days Late - XXXX The information you provided is inaccurate and does not meet the minimum standards for accuracy. I demand that this be fixed immediately or else legal action will ensue! Inaccurate, imperfect information has no place in your database or on my credit report so please delete it now. 
XXXX XXXXXXXX XXXX XXXX  Account Number XXXX Responsibility Individual Account Status Closed Balance {$0.00} Remarks ACCOUNT INFORMATION DISPUTED BY CONSUMER Type Advertising Open Date XXXX Last Activity XXXX Highest Balance {$5000.00} Amount Past Due -- Monthly Payment {$0.00} Current Payment Status XXXX Term Source Type -- Months Reviewed -- High Credit XXXX Times XX/XX/XXXX Days Late XXXX The content mentioned above has never been certified to meet reporting standards. The data provided has never been verified as accurate, complete, current, or valid. In order to ensure compliance with any consumer legislation and reporting obligations, I demand that any incorrect, incomplete, or unsupported material be deleted immediately. 
As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated 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