Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
LEGAL NOTICE TO TRANSUNION UNLAWFUL XXXX XXXX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/XXXX RE : URGENT DEMAND TO DELETE ILLEGAL XXXX REPORTING MULTIPLE FCRA AND TILA VIOLATIONS, PLUS CONTRADICTORY PAYMENT FLUCTUATIONS To TransUnion Legal Compliance Division : This letter serves as an updated final legal demand requiring the complete deletion of all derogatory data associated with my XXXX account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Your agency is actively reporting data that is not only inaccurate, but self-contradictory and factually impossible, as confirmed by independent third-party credit monitoring alerts ( XXXX ) and consumer screenshot records ( XXXX XXXX XXXX 

New Violations from TransUnion Reporting Behavior : 1. You allowed the same payment month to be changed multiple times. For example : - XX/XX/XXXX : Changed from past due to on time ( XX/XX/XXXX ) - XX/XX/XXXX : Changed from on time to past due then back to on time - XX/XX/XXXX and XX/XX/XXXX : Repeated status reversals 2. You knowingly published inconsistent information.

On several occasions, TransUnion simultaneously reflected
" on-time '' and " 30-days past due '' for the same XXXX statement months. These fluctuations violate 15 U.S.C. 1681e ( b ) and indicate a failure to reinvestigate my previous disputes, violating 15 U.S.C. 1681i ( a ).

3. You did not mark the account as disputed even though it has been challenged multiple times. That violates 15 U.S.C. 1681s-2 ( a ) ( 3 ). 

4. The original delinquencies themselves are invalid because XXXX has not verified that their billing statements complied with t

he 21-day notice rule required under 15 U.S.C. 1666b ( Truth in Lending Act ), and the account was actively being disputed under 12 CFR 1026.13 when some of these reports occurred. DEMAND FOR CORRECTIVE ACTION : You are hereby formally ordered to take the following actions within 15 calendar days : 1. Delete all Macys derogatory tradeline
history from my consumer report.

2. Mark the account as Disputed by Consumer if not deleted immediately.

3. Provide written verification of all procedures used to verify the information, including XXXX investigation results and data sources. 

FAILURE TO COMPLY : Failure to resolve this matter will result in : - Formal complaints filed with the CFPB, FTC, and New Jersey Attorney General.

- Civil litigation under 15 U.S.C. 1681n and 1681o for statutory, actual, and punitive damages, including legal fees.

You are knowingly reporting false, contradictory, and unverified data. This is willful noncompliance and will be prosecuted as such. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ 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