Consumer complaint received 2025-10-16 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: NY

Complaint narrative:
I, XXXX XXXX, submit this sworn affidavit and formal notice under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). This serves as a direct dispute of multiple inaccurate, incomplete, and unverifiable accounts currently being reported by TransUnion. These false entries are violating federal law and causing substantial harm to my financial reputation and personal life. 
1. Personal Information Correction TransUnion must correct and maintain accurate identifying information for my file. 
Correct Information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Delete any incorrect variations of my name, outdated addresses, or conflicting personal identifiers. 
Failure to maintain maximum accuracy violates FCRA 1681e ( b ) and 611.

2. Disputed Accounts The following accounts are reported inaccurately and must be verified or deleted : XXXXXXXX Bank XXXX  Acct # XXXX XXXX Reported as Closed 120+ Days Late. Violates 1681e ( b ) and Metro 2 1.3 for inconsistent balance and late coding. 
XXXX XXXX Bank XXXX, XXXX. Acct # XXXX XXXXXXXX Listed as Charge-Off. Under 1681e ( b ) and 611, this must show {$0.00} balance post write-off.

Inaccurate charge-off coding violates Metro 2 . 
XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX Debt buyer account with no proper validation or contract. Violates FDCPA 809 / 15 U.S.C. 1692g and FCRA 1681e ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXXXXXX and # XXXX XXXXXXXX Unverified collections that violate 1692g and 1681i ( a ) ( 5 ) ( A ). Must be deleted if not fully validatedDivision of Child Support ( XXXX, NY ) Acct # XXXX XXXXXXXX TransUnion reports {$4100.00}, conflicting with XXXX  and XXXX  ( {$3900.00} ). This balance discrepancy, along with a removal date difference ( XXXX vs XXXX ), violates FCRA 1681e ( b ), 605 ( a ), and 611. 
The compounding balance without payments since XX/XX/XXXX breaches Metro 2 rules. This is a non-credit governmental obligation and is not permissible to report under FCRA 604. Immediate deletion is required.

3. Legal Authority 1681e ( b ) : Credit bureaus must maintain maximum possible accuracy.

1681i ( a ) ( 5 ) ( A ) : Unverifiable data must be deleted following reinvestigation.

611 : Requires a complete reinvestigation within 30 days.

1692g : Debt collectors can not report or collect without validation.

Metro 2 : Requires uniform accuracy across all bureaus ; prohibits re-aging and inconsistent balances.

4. Formal Demand for Deletion or Verification TransUnion is hereby required to delete or validate the above-listed accounts. If verifiable documentation, signed contracts, or payment ledgers are not produced within 30 days, you must delete these accounts under 1681i ( a ) ( 5 ) ( A ). Failure to comply will result in CFPB and XXXX complaints, and legal action under 1681n & 1681o for willful and negligent noncompliance.

Executed Under Penalty of Perjury I affirm that all statements above are true and correct. Please confirm all deletions or corrections in writing.

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