Consumer complaint received 2025-11-04 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: CA

Complaint narrative:
b'From:XXXX XXXXTel: XXXX  Email: XXXX   Last-4 SSN: XXXXTo: TransUnion Consumer Relations, XXXX XXXX XXXX XXXX, PA XXXX (and via online portal)\n\nSubject: FINAL 24-HOUR DEMAND  Off-Cycle DELETE / SUPPRESS  XXXX XXXX XXXX (acct XXXX) & XXXX XXXX XXXX tradelines  Immediate Compliance Required\n\nTransUnion,\n\nThis is a final 24-hour demand. TransUnion continues to publish inaccurate information in my credit file in connection with:\n\t1XXXX XXXX XXXX (acct XXXX)  account closed and fully satisfied on XXXX (Early termination; obligation satisfied). XXXX XXXX XXXX have already removed this tradeline (attachments). Nevertheless TransUnion still reports multiple late/derogatory codes on a $0 balance closed account  this is inaccurate and unlawful.\n\t2.\tBank of America tradelines  coordinated complaints and evidence (CFPB filings and correspondence) show XXXX removed/suppressed XXXX reporting, while TransUnion continues to report charge-off balances and incorrectly includes closed XXXX account(s) in utilization calculations.\n\nYou are required, within 24 hours of receipt, to:\n\nA. Perform immediate off-cycle DELETE/SUPPRESS of the referenced tradelines (beginning with XXXX acct XXXX and all XXXX tradelines referenced in attachments).\nB. Apply XB (Account in Dispute) until deletion/suppression is complete if immediate deletion is not feasible.\nC. Produce documentary proof of action: ACDV/AUD ID(s), timestamps, response code(s), e-OSCAR/Audit log extracts, DOFD, and copies of furnisher responses (XXXX XXXX XXXX XXXXXXXX XXXX.\nD. Send 611(d) notices to all recipients who previously received the inaccurate information and confirm in writing.\nE. If furnisher verification is not certified, immediately delete the tradeline and prohibit reinsertion without certified verification.\n\nLegal basis and consequences (summary):\n\t\tTransUnion is violating FCRA 607(b), 611(a), 611(a)(5) and Reg V 1022.43(b)(3).\n\t\tIf you fail to comply within 24 hours, I will immediately request CFPB Supervisor Review, refer this matter to the California Attorney General (if applicable), FTC, and pursue civil claims for willful violations of the FCRA (see 616617), seeking statutory damages, actual damages, punitive relief, injunctive relief, and attorneys fees.\n\t\tBecause XXXX and XXXX  have already removed these records, TransUnions continued reporting demonstrates failure to follow reasonable procedures to assure maximum possible accuracy and will be advanced in regulatory and civil proceedings.\n\nAttachments: XXXX deletion screenshots; XXXX deletion screenshots; IdentityIQ/TransUnion evidence; CFPB complaint IDs and correspondence.\n\nConfirm receipt and provide written proof of completion (ACDV/AUD IDs + e-OSCAR logs + 611(d) notices) within 24 hours. If deletion/suppression has already been completed, attach evidence and dates/times.\n\nXXXX XXXX XXXX (XXXX Case):XXXX  filed XXXX XXXX XXXX  filed XXXX XXXX XXXX  filed XXXX XXXX XXXX   filed XXXX XXXX XXXX   filed XXXX XXXX XXXX   filed XXXX XXXX XXXX  filed XXXX XXXX XXXX XXXX XXXX (XXXX  Case)XXXX  filed XXXX XXXX XXXX  filed XXXX XXXX XXXX (XXXX included again under TransUnion complaint)\n\nSincerelyXXXX XXXXTel: XXXX  Last-4 SSN: 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