Consumer complaint received 2025-06-12 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: OH

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against TransUnion regarding the reporting of an auto loan account from XXXX XXXX ( Acct # ending in XXXX ). 

I have been disputing this account since XX/XX/XXXX and have submitted multiple disputes directly to TransUnion. Despite my repeated efforts, this account remains on my credit report with no results, no correction, and no resolutiona direct violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611.

This account is being reported with material inaccuracies and conflicts that render it unverifiable, including : High Balance : Reported as {$15000.00} by TransUnion, while XXXX  lists only {$1300.00}.

Balance Owed : TransUnion reports {$1300.00} even though the account is closed and charged off ( XXXX  shows {$0.00} ). 

Date of Last Activity : TransUnion lists XX/XX/XXXX, conflicting with XXXX XXXXsuggesting potential re-aging of the account.

Date Opened : TransUnion reports XX/XX/XXXX, whereas XXXX  reports XX/XX/XXXX. 

Date Reported : TransUnion states XX/XX/XXXX, while XXXX  shows XX/XX/XXXX. 

Because this data can not be verified for accuracy or consistency, and because TransUnion has ignored all of my prior disputes for over five months, I am demanding the complete deletion of this account from my TransUnion file under FCRA 611. Correction is not acceptable. This account is not accurate, not reliable, and not verifiable.

Evidence of these discrepancies is attached.

CFPB Complaint XXXX  Subject : Demand for Deletion XXXX XXXX Auto Loan Unverified & Inconsistent Reporting To Whom It May Concern, This is a formal complaint against XXXX  regarding the reporting of the XXXX XXXX auto loan ( Acct # ending in XXXX ). 

Since XX/XX/XXXX, I have submitted multiple disputes to XXXX requesting an investigation into this account. However, no action has been taken, and no resolution has been provided. This is a clear failure to meet your legal obligation under the FCRA 607 ( b ) and 611 to ensure maximum possible accuracy and to conduct a reasonable reinvestigation.

The account contains several conflicting and unverifiable details : High Balance : XXXX  reports {$1300.00}, while TransUnion reports {$15000.00}.

Balance Owed : XXXX  shows {$0.00}, while TransUnion reports a balance of {$1300.00}. 

Date of Last Activity : XXXX  lists XX/XX/XXXX, TransUnion shows XX/XX/XXXX. 

Date Opened : XXXX  lists XX/XX/XXXX, while TransUnion reports XX/XX/XXXX. 

Date Reported : XXXX  shows XX/XX/XXXX, while TransUnion lists XX/XX/XXXX. 

These inconsistencies prove that the information can not be verified and is therefore in violation of FCRA requirements. After months of failed disputes, I am no longer requesting a correctionI am demanding that XXXX  permanently delete this account from my credit file under FCRA 611.

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