Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Date : XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Final FCRA Dispute Demand for Immediate Deletion of Fraudulent and Inaccurate Accounts File Number : XXXX To Whom It May Concern, This correspondence serves as a final formal dispute and legal demand pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, 1681e ( b ), 1681s-2, and related federal regulations. I am a documented victim of identity theft and fraud and am disputing the following accounts that continue to appear inaccurately on my credit report. These entries are riddled with errors and are reported in direct violation of federal law, Metro 2 credit reporting standards, and your statutory responsibilities as a consumer reporting agency. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Repeated monthly charge-off notations a violation of Metro 2 , which only permits a single charge-off event. 
Multiple 120-day and 180-day late codes repeated over several months, artificially inflating derogatory status.

No method of verification or investigation documentation was ever provided.

Violation of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), 1681e ( b ), and 1681s-2.XXXX XXXX XXXX XXXX XXXX XXXXXXXX Duplicate charge-off entries spanning multiple months. 
Fraudulent and repetitive delinquency codes. 
No complete reinvestigation or source verification furnished to me. 
Clear violations of 1681i, 1681e ( b ), and failure to follow Metro 2 guidance. 

XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Repetitive and unlawful charge-off entries. 
Inconsistent payment history and unsupported derogatory entries. 
TransUnion has not provided a method of verification or any furnisher-specific documentation. 
Violations of 1681i ( a ) ( 6 ), 1681e ( b ), and 1681s-2. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance inaccurately stated at {$11000.00} with unverified charge-offs monthly.

Multiple unsubstantiated 120-day late notations. 
No method of verification or complete investigation details provided, breaching your duty under 1681i and 1681e ( b ).

TransUnions Legal Failures Include : Failure to ensure maximum possible accuracy ( 1681e ( b ) ) Failure to conduct a lawful and reasonable reinvestigation ( 1681i ( a ) ( 1 ) ) Failure to provide the method of verification and full investigation report ( 1681i ( a ) ( 6 ) ( B ) ( iii ) ) Failure to block and permanently delete fraudulent accounts upon notice of identity theft and dispute documentation ( 1681s-2 and 1681c-2 ) DEMAND FOR RELIEF ( 72-HOUR FINAL NOTICE ) : You are hereby formally demanded to : 1. Permanently DELETE all accounts listed above from my credit report within 72 hours of receipt of this complaint.

2. Provide the method of verification, including full furnisher contact information. 
3. Provide a complete, detailed, itemized reinvestigation report for each disputed item.

4. Cease and desist all future reinsertion of any of the above accounts under 1681a ( 5 ) ( A ). 



Legal Remedies for Noncompliance : Failure to comply within 72 hours will result in immediate legal action under : 15 U.S.C. 1681n ( Willful noncompliance ) 15 U.S.C. 1681o ( Negligent noncompliance ) I will seek : {$1000.00} per statutory violation Actual damages Punitive damages Attorneys fees and court costs This is your final notice. I expect full compliance and permanent deletion of these accounts immediately or I will pursue litigation without further warning. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX 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