Consumer complaint received 2025-04-09 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of XXXX XXXX  Account Reporting Dear TransUnion Dispute Department, I am writing to formally dispute the following account on my credit report : Account Information Account Number : XXXX Date Opened : XX/XX/XXXX Last Activity : XX/XX/XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Monthly Payment : {$1000.00} Term Source Type : Calculated Current Rating : Collection/Charge-off Status : Open Individual Type : Collection/Charge-off High Balance : {$1000.00} Unpaid Balance : {$1000.00} Highest Adverse Rating : Collection/Charge-off Most Recent Adverse Rating : Collection/Charge-off Collection Agency : XXXX XXXX Discrepancies and Inconsistencies XXXX Date Opened vs. Last Activity : The account is listed as opened on XX/XX/XXXX, but the last activity is recorded as XX/XX/XXXX. This suggests a future date for activity, which is not possible and indicates a potential error in reporting.

2 Status of the Account : The account is marked as " XXXX XXXX, '' yet categorized as a " Collection/Charge-off. '' This inconsistency raises serious questions about the accuracy of the account status.

3 Comments Section : The report states, " No History Is Available, '' which contradicts the provided details of the account. If the account is actively reported, there should be a history of payments or activities associated with it.

4 Collection Agency : The account lists XXXX XXXX as the collection agency, but it remains unclear whether this account was validated or if XXXX has the legal right to collect on this debt. The lack of validation can be seen as a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ).

Request for Method of Verification I hereby request that you provide a method of verification ( M.O.V. ) for this account, including documentation that shows the validity of the debt, proof of my liability for the debt, and confirmation of the accuracy of the reporting information. 

Demand for Deletion Given the discrepancies, and the fact that the Consumer Financial Protection Bureau ( CFPB ) has confirmed the inaccuracy of this account with XXXX, I demand that this account be removed from my credit report with TransUnion immediately. 

Legal Framework This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain accurate information and conduct reasonable investigations of disputes. Failure to comply with these regulations may result in further action, including filing a complaint with the CFPB or pursuing legal remedies.

Request for Evidence of Investigation In addition, I request tangible evidence of the conclusion of your investigation, including all documentation and communications related to the review of this account. I expect a detailed explanation if the account is not removed, along with the supporting documentation used during your investigation.

Timeline for Response I expect a response to this dispute within the required XXXX timeframe. Your timely attention to this matter is appreciated. 

Conclusion Please upload a full written response to this CFPB complaint portal, including the results of your investigation, the method of verification ( XXXX. ), and any documentation used to support your findings. Do not send this response by mail I am requesting all correspondence remain within this CFPB system for transparency and recordkeeping. 

Sincerely, XXXX XXXX Attachments : XXXX CFPB message confirming the deletion from XXXX ( Section Highlighted ) Current TransUnion Report My Passport My Utility My Lease

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