Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am formally disputing the accuracy and completeness of several charge-off account ( s ) currently appearing in my TransUnion credit file. These accounts are being reported with material discrepancies and inconsistencies across the major credit reporting agencies, in direct violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ).

Applicable FCRA Violations Include : FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] : Failure to follow reasonable procedures to ensure maximum possible accuracy FCRA 611 ( a ) ( 1 ) : Failure to conduct a lawful reinvestigation or delete unverifiable data within 30 days FCRA 609 ( a ) ( 1 ) : Failure to disclose the sources, method of verification, and original furnishers FCRA 623 ( a ) ( 5 ) : Failure to accurately report the date of first delinquency FCRA 616, 617 : Civil liability for willful and negligent noncompliance Disputed Accounts : 1. XXXX Acct # XXXXXXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} * * XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} * * XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$26000.00} * * Dispute Justification ( Applicable to All Accounts Listed ) : The account is reported differently across XXXX, XXXX, and TransUnion, including but not limited to : o Charge-off dates o Balances owed o Payment history o Account status No signed contract or itemized transaction history has ever been presented The inconsistencies make the reporting factually unreliable, unverifiable, and misleading At least one ( if not all ) version ( s ) being reported are incorrect My Legal Demands : Pursuant to my rights under the FCRA, I am requesting that TransUnion : 1. Conduct a manual reinvestigation, not solely reliant on automated systems ( e.g., E- OSCAR ), and directly contact the original creditors.

2. Provide full documentation used to verify each disputed item, including : o A copy of the original signed contract or agreement bearing my signature o A complete payment history o The method of verification, including : Names and contact information of persons spoken with Dates and times verification occurred Copies of original source documentation, not summaries or system- generated affirmations 3. Delete the accounts immediately if they can not be fully and legally validated.

4. Ensure that any remaining reporting is consistent, factually accurate, and compliant across all credit bureaus. 
Failure to comply within the statutorily required 30-day window from the date of receipt of this notice will result in formal complaints to : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My state Attorney Generals office Additionally, I will consider pursuing civil damages under FCRA 616 and 617 for willful or negligent noncompliance.

Please send me written confirmation of the reinvestigation results, including the updated status of each disputed account, and a copy of my corrected credit report.

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