Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Re : Formal Demand for Deletion of Unverifiable, Inaccurate, and Misleading Information under FCRA and FDCPA File Number : XXXX Dear TransUnion Compliance Department, This letter serves as a formal and legally binding complaint under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding the inaccurate and misleading items currently reported on my credit file. Pursuant to 15 U.S.C.

1681i ( a ) ( 1 ), you are required to conduct a reasonable reinvestigation of each disputed item within 30 days of receipt of this notice. Failure to comply constitutes willful noncompliance under 15 U.S.C. 1681n. 
After reviewing my report issued on XX/XX/XXXX, I dispute the following accounts as unverifiable, incomplete, and/or misleading : XXXX. 
U.S. Bankruptcy Court Eastern District of Wisconsin ( Docket # XXXX, # XXXX ) Type : XXXX  XXXX Bankruptcy Dismissed/Closed Both entries are legally inaccurate and misleading. A dismissed bankruptcy is not a completed proceeding nor a discharge of debt, therefore it can not accurately reflect insolvency or default. Reporting dismissed filings as adverse or continuing public records constitutes a violation of 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ) and 1681c ( a ) ( 1 ) ( prohibition of obsolete or misleading information ).

Further, because these records are furnished by third-party vendors, you are required to verify original court data directly with the court under 1681i ( a ) ( 2 ) ( B ). If TransUnion can not provide verifiable, certified documentation from the U.S. Bankruptcy Court itself, you must permanently delete these records.

2. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( {$370.00} ) Date Placed : XX/XX/XXXX This collection entry violates 15 U.S.C . 1681s-2 ( a ) ( duty to report accurate information ) and 1681i ( a ) ( requirement for reinvestigation ). NeitheXXXX XXXX XXXX XXXX XXXX XXXX XXXX  has validated this alleged debt with a signed contract, itemized statement, or original creditor agreement. Under FDCPA XXXX XXXX. XXXX ( b ), any debt reported without proper validation is unlawful. 
If TransUnion can not provide documentation directly from XXXX XXXX XXXX verifying the debts ownership, balance, and date of last activity, this entry must be permanently deleted as unverifiable and inaccurate. 
XXXX. 
XXXX XXXX XXXX XXXX XXXX Charged Off ( {$180.00} ) Date Closed : XX/XX/XXXX This account reports a charge-off and active balance simultaneously, which is factually and legally inconsistent under 15 U.S.C. 1681e ( b ) and Regulation V ( 12 C.F.R.

1022.42 ). The term charge-off denotes a loss and closure of account, not a continuing balance. Therefore, the data reported is incomplete, inaccurate, and misleading.

If the furnisher can not substantiate the accuracy of both the charge-off and the remaining balance with a signed account agreement and payment record, this record must be deleted. 
XXXX. 
Wisconsin XXXX XXXX {$2400.00} ( Docket # XXXX ) This reporting must be verified with the state disbursement unit. The inclusion of child support as an adverse public record is misclassified and violates 15 U.S.C. 1681c ( a ) ( 5 ) ( outdated public record reporting ).

If TransUnion can not provide written confirmation from the Wisconsin Department of Children and Families verifying both the legal order and current status, this must be deleted as unverifiable.

LEGAL BASIS FOR DELETION Under the FCRA and FDCPA, TransUnion is legally required to delete or correct any entry that is : Inaccurate, incomplete, or unverifiable 15 U.S.C.

1681i ( a ) ( 5 ) ( A ) Outdated beyond permissible reporting periods 15 U.S.C. 1681c ( a ) Misleading in such a way as to imply adverse creditworthiness 15 U.S.C. 1681e ( b ) Unvalidated by the furnisher upon consumer request 15 U.S.C. 1681s-2 ( b ) Failure to remove these items after notice will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Wisconsin Attorney General, and possible c
ivil action under 15 U.S.C. 1681n and 1681o for statutory, punitive, and actual damages.

DEMAND FOR ACTION I demand TransUnion to : 1. Conduct a full reinvestigation of each disputed item.

2. Provide written verification from the original source ( not a third-party vendor ).

3. Permanently delete all unverifiable, inaccurate, or misleading items from my file.

4. Provide an updated report reflecting all corrections within 30 days.

Failure to comply within the statutory time frame will be considered willful noncompliance and may lead to legal escalation. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI 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