Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute inaccurate and incomplete information on my credit report pursuant to Section 611 of the Fair Credit Reporting Act ( FCRA ). I request that you investigate the following items and correct or remove them as appropriate. I have enclosed a copy of my credit report ( from XXXX, dated XX/XX/XXXX ) with the disputed items highlighted, along with copies of my identification and proof of address. 
The disputed items are as follows : XXXX. Inaccurate Count of Closed Accounts : The summary section states Closed accounts : XXXX. This is incorrect, as the report details XXXX closed accounts, including those from XXXX XXXX ( Account # XXXX and XXXX XXXX ), XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX Please correct the summary to reflect the accurate number of closed accounts and update any related calculations ( e.g., average account age ). 
XXXX. Inconsistent Credit Utilization Ratio : The overall credit usage is reported as 43 % ( {$1200.00} used of {$3000.00} limit ), but the FICO Score 8 factors section lists the ratio of revolving balances to credit limits as 71 %. This discrepancy does not align with the account details provided and may be a calculation error. Please investigate and correct the utilization ratio, ensuring it accurately reflects all open and closed revolving accounts. 
XXXX. Incomplete Total Debt Summary : The total debt is listed as {$1600.00}, which excludes the {$2700.00} charged-off balance on the XXXX XXXX  XXXX  XXXX account XXXX status XXXX charged off, past due as of XX/XX/XXXX ). This amount should be included as an outstanding debt. Please update the debt summary to accurately reflect all reported obligations. 
XXXX. Duplicate Partial Account Numbers : The two open XXXX  XXXX  credit card accounts both list the partial account number as XXXX. This appears to be an error, as they are separate accounts opened in XX/XX/XXXX and XX/XX/XXXX. Please verify and correct the account identifiers. 
XXXX. Unresolved Prior Disputes : The collection account from XXXX XXXX XXXX ( for XXXX XXXX XXXX. XXXX, # XXXX, {$330.00} ) is noted as disputed by me, and the XXXX XXXX account notes a completed FCRA investigation with which I disagree. These items remain inaccurate. Please reinvestigate and remove if unverifiable. 
These inaccuracies are harming my credit score and may violate FCRA requirements for accurate reporting. Please provide me with the results of your investigation, including the methods used to verify the information and any updates made, within 30 days as required by law. If the items can not be verified, please delete them from my report and notify any parties who have received my report in the last two years ( or six months for employment purposes ).

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