Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, NY XXXX XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Re : Formal Reinvestigation Request XXXX XXXX XXXX Account XXXX XXXX ( Under FCRA 1681e ( b ), 1681i, and 1681s-2 ) Dear TransUnion, This is a formal reinvestigation request pursuant to the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 1 ) ( A ), concerning materially inconsistent and inaccurate information being reported by XXXX XXXX XXXX under account number XXXX XXXXXXXX. 

If this account has previously been verified, I am now presenting new and previously overlooked inconsistencies and legal violations. If these can not be fully validated, I request that the account be immediately deleted. 

DOUBLE REPORTING ILLEGAL & MISLEADING XXXX XXXX XXXX is reporting this same debt multiple times across the TransunionXXXX under same name and account numbers. This is a clear case of duplicate reporting of a single debt a tactic that unfairly inflates my debt burden and severely impacts my credit score.

Double reporting is misleading and violates FCRA 1681e ( b ) which requires accurate and fair credit reporting.

If a debt buyer or collector is reporting on behalf of another, the original entry must be removed or updated not duplicated under separate tradelines.

REPORTING INCONSISTENCIES There are multiple discrepancies between the data reported by TransUnionXXXX XXXX XXXX XXXX  for this account, demonstrating inconsistent, inaccurate, and unreliable reporting practices : 1. The account type is listed as Collection across all three bureaus, but it appears to be misclassified considering its age and payment activity. Resolved or charged-off accounts should not be actively listed under Collection status. 

2. The monthly payment field is left blank on TransUnion, while XXXX XXXX XXXX report it as {$0.00}. A blank entry implies ongoing payment obligations or can mislead underwriters reviewing my file. 

3. Terms ( Months ) are reported inconsistently TransUnion leaves it blank, while XXXX shows XXXX and XXXX  shows XXXX These three values can not all be accurate for the same account.

4. The credit limit is listed as XXXX on TransUnion, while XXXX and XXXX  both report it as {$0.00}. While seemingly minor, this inconsistency reflects poor data synchronization across bureaus.

5. Payment status also varies : both TransUnion and XXXX report Collection/Charge-Off, but XXXX  reports it as 120 Days Late. These are mutually exclusive statuses and can not reflect the same stage of delinquency. 

6. Last reported dates vary : TransUnion lists XX/XX/XXXXXXXX XXXX lists XX/XX/XXXX, and XXXX  lists XX/XX/XXXX. These mismatches affect how the account is aged and scored in credit models. 

7. The comments section is different among the bureaus. TransUnion states Placed for collection, XXXX reports Account seriously past due/assigned to attorney or collections, and XXXX simply notes Collection Account. These variations in language result in a skewed perception of the accounts severity and status. 

8. The date of last activity is especially troubling : TransUnion shows XX/XX/XXXXXXXX XXXX  shows XX/XX/XXXX, and XXXX  lists XX/XX/XXXX. These dates directly affect the statute of limitations and are material discrepancies. 

9. The date of last payment is missing from TransUnions report but listed as XX/XX/XXXX on both XXXX and XXXX. The omission on TransUnion is a significant reporting failure. 

10. Lastly, the two-year payment history is blank on TransUnion, while XXXX  shows charge-offs from XX/XX/XXXX to XX/XX/XXXX. Meanwhile, XXXX  reports an OK status from XX/XX/XXXX to XX/XX/XXXX and leaves XX/XX/XXXX blank. These contradictory histories can not all be valid and present an unclear and conflicting payment picture. 

Legal Violations : FCRA 1681e ( b ) : Duty to ensure maximum possible accuracy FCRA 1681i ( a ) ( 1 ) ( A ) : Duty to reinvestigate disputed items FCRA 1681s-2 ( b ) : Duty of furnishers to correct inaccurate information FCRA 1681e ( a ) : Reasonable procedures must be in place to avoid duplicated entries DEMAND FOR DELETION OR METHOD OF VERIFICATION ( MOV ) If TransUnion can not reconcile and validate each of the above discrepancies, I demand immediate deletion of this tradeline.

Alternatively, if you choose to verify this account, I am invoking my right to receive the full Method of Verification, including : Name, title, and contact of the individual who verified it The method and documentation used The name and contact of the furnishing party A copy of any contracts or payment history used in verification Notice of Escalation Failure to investigate or rectify these issues will leave me no choice but to file complaints with : Consumer Financial Protection Bureau ( CFPB ) New York State Attorney General And, if necessary, pursue civil relief under FCRA 1681n and 1681o Enclosures : State-issued ID Utility/bank statement as proof of address Highlighted report excerpts showing inconsistent and duplicate reporting Thank you for your time and urgent attention. I expect a written response within the 30-day period allowed by law. 

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