Consumer complaint received 2025-07-19 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: WA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing to dispute the accuracy and integrity of the XXXX XXXX XXXX account listed on my credit report. After reviewing my credit files, I have found multiple inconsistencies and errors that I believe violate the Fair Credit Reporting Act ( FCRA ) and misrepresent my credit history. 

The details of the account are as follows : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$470.00} Reported by : TransUnion, XXXX XXXX  I am disputing this account based on the following : XXXX. Conflicting Account Type and Terms FCRA Violation : 1681e ( b ) Experian reports this account as an Installment account, while TransUnion and XXXX  show it as an Open account. XXXX also lists it with a XXXX term, which is inaccurate for a debt buyer or collection account. 

Why this is a problem : These inconsistencies can affect how my creditworthiness is scored and evaluated. Under the FCRA, credit reporting agencies must ensure the maximum possible accuracy of the information they report. 

XXXX. Inconsistent Date Last Active FCRA Violation : 1681e ( b ) TransUnion reports the Date Last Active as XXXX XXXX reports XX/XX/XXXXXXXX XXXX reports XX/XX/XXXX Why this is a problem : These conflicting dates suggest activity that didnt occur and create confusion for lenders. This violates the requirement for consistent and accurate reporting. 

XXXX. Possible Re-Aging of the Account FCRA Violation : 1681c ( a ) ( XXXX ) The Date Last Active being listed in XXXX despite no evidence of activity since XXXX appears to be an attempt to re-age the debt, which is illegal. The FCRA prohibits reporting negative accounts for more than XXXX years from the original delinquency. 

XXXX. Missing and Incomplete Payment Information FCRA Violation : 1681i ( a ) None of the bureaus report a Date of Last Payment. TransUnion does not include payment status or comments. These gaps in information make the tradeline incomplete and unverifiable. 

My Request In accordance with the Fair Credit Reporting Act, I respectfully request the following : A full reinvestigation into the accuracy and completeness of this account. 

Verification of the correct account type, original delinquency date, and last activity with proper supporting documentation. 

Correction or deletion of the account from my credit report if it can not be verified in full. 

A written response outlining the results of your reinvestigation, as well as an updated copy of my credit report. 


Thank you for your attention to this matter. I look forward to your response within the timeframe allowed by law. 

Sincerely, XXXX 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