Consumer complaint received 2025-11-13 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: IL

Complaint narrative:
Re : Formal Dispute, Verification Request, and Demand for Deletion XXXX XXXX Account XXXX To Whom It May Concern, I am writing to formally dispute the accuracy, completeness, and validity of the account reporting for XXXX XXXX, account number XXXX, originally opened XX/XX/XXXX. This account is reporting collection status every month from XX/XX/XXXX through XX/XX/XXXX with a past due balance of {$2000.00}, and it contains numerous discrepancies across Experian, TransUnion, and XXXX 



1. Reporting Discrepancies Across CRAs Account Type and Status : Experian : Cell Phone, Collection Account TransUnion : Open Account, Collection Account XXXX : Not reported Balance Update Dates : Experian : XX/XX/XXXX TransUnion : Not specified Payment History : Experian : Reports collection every month from XX/XX/XXXX XX/XX/XXXX TransUnion : No detailed payment history, comments say Collection Account XXXX : Not reported Contact Information : Experian : XXXX XXXXXXXX XXXX, XXXX, TX XXXX, Phone : XXXX TransUnion : Same as Experian XXXX : Not reported Comments : Experian comment states Account info spotted by consumer meets FCRA requirements, which is false, as the account contains inaccurate, inconsistent, and unverifiable reporting. 

These inconsistencies constitute Metro 2 non-compliance and violate FCRA 1681s-2 ( b ) and 1681i ( a ), as well as FDCPA 807 ( 8 ) and 809 ( b ), because the account is misrepresented, unverifiable, and misleading.

2. Request for Verification/ Documentation Under FCRA 611 ( a ) ( 1 ) and 1681s-2 ( b ), I am requesting proper verification of this account. Billing statements are not acceptable, as they do not meet FCRA or FDCPA standards. I require : 1. Proof of ownership / validation of the debt from XXXX XXXX. 
2. Contract or agreement with a wet signature showing my responsibility. 
3. Confirmation that the contact information is accurate and legally associated with XXXX XXXX. 

If proper verification can not be provided, I am demanding an immediate deletion of this account from all credit reporting agencies and a cease and desist of any collection activity. 



3. e-OSCAR and Dispute Coding IC / UR codes : The account is unverifiable due to inconsistent reporting.

M10 / Metro 2 : Payment history is inaccurate, as monthly collections are being reported incorrectly.

4. Legal Notice Due to the multiple FCRA, FDCPA, Metro 2, and e-OSCAR violations, I am prepared to pursue legal remedies, including attorney fees and damages. Reporting unverifiable or inconsistent information to Experian, TransUnion, and XXXX  constitutes a violation of federal law, and legal action will be taken if this account is not corrected or deleted. 

Please provide a written response confirming the requested documentation or the deletion of this account within the legally required timeframe. 

Sincerely, XXXX 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