Consumer complaint received 2025-10-17 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: GA

Complaint narrative:
TransUnion LLC XX/XX/XXXXXXXX Subject : Formal Dispute and Demand for Deletion of Outdated and Inaccurate Accounts FCRA 605 ( a ), 611 & Metro 2 Compliance Required To Whom It May Concern, This letter serves as a formal AFFIDAVIT OF DISPUTE and legal notice regarding false, outdated, and unverifiable information reported by TransUnion on my consumer file. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure maximum possible accuracy and promptly delete obsolete or unverifiable data. The following accounts are disputed under FCRA 605 ( a ) for exceeding the seven-year reporting period, 611 for failure to conduct a reasonable reinvestigation, and 1681e ( b ) for inaccurate and inconsistent reporting. 

1. Disputed Negative Accounts ( Unverified, Outdated, and Inaccurate ) -XX/XX/XXXXXXXX Opened XX/XX/XXXX, charged off XXXX, still reporting {$1600.00} balance in violation of the FCRA 605 ( a ) seven-year rule and Metro 2 standards that prohibit charge-offs from updating monthly. 
- XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX Opened XX/XX/XXXX, charged off XX/XX/XXXX, still showing a {$9100.00} balance and ongoing updates despite being over 7 years from the original delinquency date, violating 605 ( a ) and Metro 2 guidelines. 

Both accounts are reported inconsistently across credit bureaus, constituting a direct violation of FCRA 1681e ( b ). I demand certified verification through the original signed contract ( wet-ink signature ), full payment history, and lawful assignment agreement. If TransUnion can not provide proof within 30 days, you must delete these accounts. 

2. Incorrect Personal Information My personal information on record is inaccurate and must be corrected immediately : - Remove old address : XXXX XXXXXX/XX/XXXX - Correct current address : XXXX XXXX XXXXXX/XX/XXXX Remove outdated employers and name variations. 

Under Metro 2 XXXX XXXXXX/XX/XXXXXXXX and FCRA 1681e ( b ), TransUnion must maintain complete accuracy of personal identifiers. 

3. Outdated and Inaccurate Addresses TransUnion continues to report outdated addresses that are no longer valid. These must be deleted immediately to prevent mixed-file errors and identity confusion, as required by FCRA 1681e ( b ).

4. Legal Grounds for Dispute and Deletion I am asserting my rights under the following provisions : - FCRA 605 ( a ) : Negative information older than seven years must be deleted.

- FCRA 611 ( 15 U.S.C. 1681i ) : You must conduct a reasonable reinvestigation and remove unverifiable information.

- FCRA 1681e ( b ) : Bureaus must maintain maximum possible accuracy.

- FCRA 1681i ( a ) ( 5 ) ( A ) : Unverifiable or conflicting data must be promptly deleted.

- Metro 2 Compliance : Charge-offs with balances or monthly updates violate standard reporting procedures.

5. What I Am Requesting 1. Deletion of the disputed accounts unless verified with certified documentation.

2. Removal of inaccurate and outdated personal information and addresses.

3. Written confirmation of all deletions and corrections within 30 days as required under FCRA 611.

6. Notice of Legal Intent If TransUnion fails to verify or delete these inaccuracies within 30 days, I will file formal complaints with the CFPB, FTC, and my State Attorney General. Continued reporting of obsolete or unverifiable information constitutes willful noncompliance under FCRA 1681n and 1681o. These inaccuracies are causing measurable harm to my creditworthiness and must be removed immediately.

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