Consumer complaint received 2025-09-05 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Date : XX/XX/XXXX To : XXXXXXXX XXXX XXXX Office of the President [ XXXX Address from Letter ] CC : Consumer Financial Protection Bureau Re : Formal Rebuttal & Continued Dispute XXXX XXXX with XXXX Rewards Account Ending in XXXX Dear XXXX, I am in receipt of your correspondence dated XX/XX/XXXX, regarding my formal dispute of the above-referenced account. Your letter states that my most recent correspondence does not present any new or different information. This assertion is incorrect and dismissive of the factual and legal deficiencies I have previously raised regarding this accounts reporting. 

1. Account Age and Reporting Limitations The account in question is more than seven years old from the original delinquency date. Under the Fair Credit Reporting Act ( FCRA ), 605 ( a ), negative information such as late payments, charge-offs, and collections can not be reported beyond seven years. Continuing to report derogatory information on this account is a direct violation of federal law. 

2. Inaccurate/Incomplete Information Your records continue to show derogatory payment history despite the account being closed and beyond the permissible reporting period. Per FCRA 1681e ( b ), credit furnishers must ensure maximum possible accuracy. Any reporting that misleads or extends beyond statutory limits fails this standard. 

3. Failure to Provide Proper Verification I have repeatedly requested full validation and documentation of this account, including : The complete payment history from origination through closure. 

The date of first delinquency used to calculate reporting eligibility. 

Evidence that XXXX is legally entitled to furnish this information to the credit bureaus after the statutory reporting period. 

To date, XXXX has not provided this required documentation. A generalized claim that prior responses were adequate does not constitute compliance under FCRA 1681i ( a ) or 12 CFR 1022.43 ( CFPB Regulation V ). 

4. Ongoing Damages and Noncompliance Your refusal to correct or remove inaccurate and obsolete reporting has caused measurable harm to my creditworthiness. Furthermore, continued reporting of information beyond the legal limit after notice of dispute constitutes willful noncompliance under FCRA 616 and 617, exposing XXXX to civil liability. 

DEMAND FOR REMEDY Accordingly, I am demanding : Immediate deletion of all derogatory information related to account # XXXX from all consumer reporting agencies. 

Written confirmation of the date of first delinquency on this account. 

A complete copy of the account history and supporting documents validating your right to continue furnishing this information. 

Failure to comply will leave me no choice but to escalate this matter with the CFPB, the Office of the Comptroller of the Currency ( OCC ), and to consider private legal action for damages under the FCRA. 

I expect a full written response within 15 days of receipt of this letter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX of XXXX XXXX ] [ Date of Birth XX/XX/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