Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX : * -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Date : XX/XX/XXXX To Whom It May Concern, Subject : Formal Dispute and Request for Immediate Deletion of All Negative Accounts Under FCRA, FDCPA, FACTA, and Federal Loan Reform Dear TransUnion ( or appropriate CRA ), I am writing to formally dispute the accuracy, validity, and continued reporting of the negative accounts listed below. I am requesting their immediate deletion from my credit report under the legal authority provided by : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 Fair and Accurate Credit Transactions Act ( FACTA ) CARES Act and Department of Education Relief Initiatives Consumer Financial Protection Bureau ( CFPB ) guidelines Negative Auto and Installment Accounts These accounts are either delinquent, charged off, or contain inaccurate payment data : XXXX XXXX XXXX Account # XXXX | Balance : {$24000.00} | Status : 30 days past due XXXX Account # XXXX | Balance : {$7800.00} | Status : XXXX XXXXXXXX XXXX Account # XXXX | Balance : {$42000.00} | Status : Charged off XXXXXXXX XXXX Account # XXXX | Status : 60 days past due ( XXXX late payments ) XXXX ( XXXX XXXX XXXX ) Account # XXXX | Balance : {$17000.00} | Status : Collection Charged Off or Closed Revolving Accounts FST PREMIER Account # XXXX | Status : Charged off | Balance : {$590.00} Collections Accounts Remove for Non-Compliance/Unverifiable Reporting CREDIT COLL ( Progressive ) # XXXX | Balance : {$1400.00} XXXX XXXX ( XXXX Secure ) # XXXX | Balance : {$750.00} XXXX ( XXXX XXXX ) # XXXX XXXX Balance : {$3000.00} XXXX  # XXXX | XXXX : Dispute resolved customer disagrees Student Loan Dispute Delete Per Federal Loan Reforms If any student loans are present or were previously reported by XXXX XXXX or Dept . of Education, they must be deleted under : CARES Act forbearance protections Fresh Start Program for Defaulted Loans IDR Account Adjustment and One-Time Forgiveness Programs ( XXXX ) Violation of FCRA 623 ( a ) ( 5 ) if payments were misreported during federal protections Excessive & Unauthorized Hard Inquiries Remove per FCRA 604 I dispute and request deletion of all the following inquiries that do not meet the permissible purpose requirement : Examples ( but not limited to ) : COAF ( Capital XXXX Auto Finance ) Dozens of inquiries ( 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 
These repeated and clustered inquiries suggest excessive access to my report, which is not compliant with FCRA 604 ( b ), 607, and 615 ( a ).

Legal Grounds for Deletion I am exercising my legal right to dispute under : FCRA 609 Right to request verification of account information FCRA 611 Right to correct or delete inaccurate, unverifiable, or outdated info FCRA 623 ( a ) ( 5 ) Reporting standards for furnishers FDCPA 809 ( b ) Validation of debts by collection agencies FACTA & CARES Act Misreporting protections for accounts affected by XXXX CFPB regulations Consumer protections for fairness and accuracy Failure to respond within 30 days with proper verification will constitute non-compliance and require immediate deletion under FCRA 611 ( a ) ( 5 ). 
Please send me written confirmation of your investigation results and a copy of my updated credit report. 
Sincerely, XXXX XXXX XXXX XXXX : * -- XXXX XXXX : 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