Consumer complaint received 2025-04-15 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:
FollowUp Dispute Verification Failure to Comply with FCRA & TILA ( Proof attached; please DELETE the following TransUnion accounts immediately ) I am writing to formally COMPLAIN about the accuracy of information that still appears on my TransUnion credit report. Your previous response stated these tradelines were verified ; however, the attached XXXX screenshots datedXXXX clearly prove multiple violations of the Fair Credit Reporting Act ( FCRA ) 611, the Fair Credit Debt Reporting Act ( FCDRA ), and the Truth in Lending Act ( TILA ). 

XXXX-ACCOUNTS TO BE REMOVED XXXX. XXXX Acct XXXX XXXX XXXX. XXXX Acct # XXXX XXXX. XXXX ( XXXX ) Acct XXXX XXXX XXXX. XXXX Acct # XXXX XXXX. XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX SPECIFIC INACCURACIES STILL UNRESOLVED * Balances/ Credit Limits : TransUnion shows {$0.00} balances or positive creditlimits that do not match XXXX or XXXX. 
* HighCredit & PastDue Figures : Wide dollaramount discrepancies exist across the three bureaus for every tradeline listed above. 
* Last Reported & DateLastActive Fields : TransUnion dates conflict with the dates reported by XXXX and/or XXXXindicating unreliable datafurnishing. 
* PaymentHistory Grids : TransUnion displays continuous CO ( chargeoff ) codes, while the other bureaus alternate between XXXX, XXXX, XXXX, XXXX, and XXXX. 
* Comment Codes : Notes such as Charged off as bad debt ( TU ) versus Account in disputereported by subscriber ( XXXX ) reveal that verification was not based on original documentation. 

XXXX LEGAL BASIS FOR REMOVAL XXXX. 15U.S.C.1681i ( 7 ) You must supply a written description of your investigation within 15days ; you have failed to do so. 
XXXX. 15U.S.C.609 ( a ) ( 1 ) ( A ) Verification must rely on physical review of the original signed contracts or chargeoff ledgers, not automated eOSCAR replies. 
XXXX. 15U.S.C.1681e ( b ) TransUnion must follow reasonable procedures to assure maximum possible accuracy; conflicting data proves noncompliance. 
XXXX. 15U.S.C.1681i ( 5 ) Information that can not be verified must be deleted. 
XXXX. 15U.S.C.1681s2 ( a ) ( 1 ) ( A ) Furnishers must report only accurate information ; by continuing to publish their conflicting figures, TransUnion is facilitating their violation. 
XXXX. TILA15U.S.C.1601 Credit information must be transparent and accurate ; these tradelines fail that standard. 

XXXX REQUESTED ACTIONS ( WITHIN15CALENDARDAYS ) XXXX  DELETE the XXXX tradelines and any related hard inquiries immediately, unless you can produce the original signed contracts, complete account ledgers, and chargeoff worksheets for each account. 
* PROVIDE the full narrative of every verification step you performed, including the name and contact information of each furnisher consulted. 
* ISSUE an updated TransUnion credit report showing the deletions or corrections. 

XXXX CONSEQUENCES OF NONCOMPLIANCE If you do not comply within the 15day timeframe, I will : * File complaints with the Federal Trade Commission ( FTC ), and my State Attorney General.

* Seek statutory damages of up to {$1000.00} per violation under 15U.S.C.1681n, plus actual damages under 1681o. 
* Pursue civil action for defamation, negligence, and willful noncompliance. 
Thank you for your immediate attention to this matter. I expect your written confirmation within the period prescribed by law.

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