Consumer complaint received 2025-09-29 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: OH

Complaint narrative:
Formal Dispute and Demand for deletion. 
Full Name : XXXX XXXX XXXX Date of Birth : XXXX XXXX : [ XXXX ] Valid and only address : XXXX XXXX XXXX XXXX OH, XXXX To Whom It May Concern : I am writing to formally dispute the following inaccurate, unverifiable, and fraudulent information on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 
Failure to correct or remove inaccurate information after notice constitutes a willful violation of the FCRA, entitling me to statutory damages of up to {$1000.00} per violation, as well as actual and punitive damages under 15 U.S.C. 1681n and 1681o.

If this matter is not resolved properly within the statutory timeframe, I will have no choice but to pursue further remedies, including legal action, to enforce my rights under the FCRA. 




XXXX ) .Creditor Name : [ XXXX  ] Account Number : [ XXXX ] Reason for deletion : Derogatory-collection/charge off. Im challenging balances and open dates do not match. 

XXXX ) .Creditor Name : [ XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Reason for deletion : derogatory ( charge of ) Im challenging the validity of the debts and the data furnishers legal status. 

XXXX ) .Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ], [ XXXX ] Reason for deletion : Derogatory/inaccurate remarks show Terminated, current, open. Account remarked show XXXX not accurate. 

XXXX ) .Creditor Name : [ XXXX ] Account Number : [ XXXX ] Reason for deletion : inaccurate status, Trans Union XXXX curent/closed, XXXX  shows late XXXX paid/closed and XXXX  shows XXXX XXXX current. Also derogatory with a dispute in progress this inconsistency is a violation. 

XXXX ) .Creditor Name : [ XXXX ] Account XXXX : [ XXXX ] Reason for deletion : Derogatory remarks. 
Delete Items : The entire account listing, including the derogatory status of " Collection/Chargeoff. '' Delete inquiries : XXXX XXXXXX/XX/XXXX I have no knowledge of these inquiries, and I did not authorize opening. This claim is supported by the active XXXX XXXX Victim XXXX placed on my credit file in XXXX, which explicitly warns creditors that my identity may have been used without my consent.

under Section 611 of the FCRA ( 15 U.S.C. 1681i ), they are required to conduct a reasonable reinvestigation of disputed items.

623 ( 15 U.S.C. 1681s-2 ), " I have disputed this information directly with the furnisher. Under 623, they had a duty to correct or delete inaccurate information they are reporting.

15 U.S.C -1681 i5a.

15 U.S.C - 1681 EB Furthermore, pursuant to the Uniform Commercial Code ( UCC ), I challenge the data furnisher 's legal standing and claim of right to this alleged debt. I demand that you obtain from the furnisher and provide to me competent evidence that verifies : 1. The existence of a valid, enforceable contract bearing my authentic signature.

2. The complete chain of custody of the debt, proving the furnisher is the legitimate holder-in-due-course with the right to report it. 

The FCRA requires you to promptly delete it these information from my credit file. 

I have enclosed copies of my identification and the relevant credit report for your reference. Please investigate this matter and provide me with a written report of your findings or delete information. 

Sincerely, XXXX XXXX XXXX Sent this same information directly to TransUnion and they responded back claiming that they didn't understand what I was asking. I'm included the letter that they sent back and the information that I sent over for representation of their violations.

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