Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, This is my FINAL NOTICE before filing formal complaints with the CFPB, FTC, State Attorney General, and consideration of private legal action for your continued failure to correct multiple, ongoing FCRA violations regarding : XXXX XXXX XXXX XXXXXXXX Credit Card Account Ending XXXX This is now Round XXXX, and despite your previous investigations, the account is still being reported with severe inconsistencies, conflicting data, and unverifiable information, which legally requires full deletion. 

You have been notified twice already. 
You are now knowingly reporting false information. 

XXXX. FCRA XXXX ( b ) Failure to Maintain Maximum Possible Accuracy Your reporting continues to show multiple contradictory versions of the same account across all three bureaus : A. Contradictory Date Opened XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX TransUnion : XX/XX/XXXX A credit account can not legally have three different opening dates. 

B. Contradictory Account Status XXXX  : Deleted / Closed / Charge-off XXXX  : Negative / Charge-off TransUnion : Negative / Charge-off If XXXX  deleted the account, but the same data is still being furnished to XXXX  and TransUnion, then : The furnisher is not providing consistent data Verification is impossible Deletion is mandatory XXXX Conflicting Last Activity Dates XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX TransUnion : XX/XX/XXXX XXXX bureaus can not produce XXXX different dates for the same transaction. 

This makes the account inherently unverifiable. 

XXXX Inconsistent Payment History XXXX  is reporting multiple lates : XXXX, XXXX, XXXX, 150 days late, and then suddenly Back to OK, then CO This pattern is incoherent and impossible under FCRA guidelines, and demonstrates incorrect automated furnishing. 

The presence of XXXX delinquency followed by XXXX can not be supported by any real payment record. 

XXXX Different Date of Last Payment XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX TransUnion : XX/XX/XXXX If the bureaus can not agree on the last payment date, then none of the reporting is reliable. 

XXXX. FCRA 1681i Failure to Conduct a Reasonable Reinvestigation After two rounds of disputes : None of the conflicting data has been corrected No explanation was provided for the multiple inconsistencies No Method of Verification was provided No documentary proof from the furnisher was provided Verified as accurate was returned despite clear, obvious errors This proves that your investigation was : Automated Superficial Non-compliant Not legally sufficient This is a direct violation of 1681i.

3. FCRA 1681s-2 ( a ) Furnisher ( XXXX XXXX XXXXXXXX XXXX Reporting Conflicting Data A furnisher can not legally report XXXX different versions of the same account. 

XXXX XXXX XXXXXXXX is providing : Different dates opened Different last activity Different last payment Different charge-off dates Different payment histories Different statuses This makes the account factually unverified and legally unreportable. 

Under federal law, unverifiable data must be deleted. 

XXXX. Your Continued Reporting Is Now Willful ( FCRA 616 ) Because you have been notified twice already, your continued reporting of inaccurate information constitutes : Willful noncompliance Negligent damage to the consumer Violation of my rights under federal law This exposes each bureau to civil liability.

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