Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
[ Full Name : XXXX XXXX XXXX XXXX ] [ Address : XXXX XXXX XXXX, XXXX XXXX ] [ City, XXXX, ZIP Code : XXXX, Texas XXXX ] [ Email : XXXX ] [ Phone : XXXX ( XXXX ) XXXX ] [ Date : XX/XX/XXXX ] Dispute Department TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Credit Record Review Under 15 U.S.C. 1681i Dear TransUnion Representatives, I am writing to formally request the review and correction of inaccurate information that appears on my credit report issued by your agency. The account in question is marked as a " Charge-Off, '' which I believe to be incorrect and damaging to my credit history. 

According to the Fair Credit Reporting Act, specifically under section 15 U.S.C. 1681i, I have the right to dispute any inaccurate or unverifiable information that appears on my credit report. This section mandates that credit reporting agencies must conduct a reasonable investigation of any dispute submitted by a consumer regarding the accuracy of the information in their file.

Below is the full text of 15 U.S.C. 1681i for your reference : 15 U.S.C. 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of Disputed Information ( 1 ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( 2 ) Notification of consumer dispute to furnisher of information. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( XXXX ) Determination that dispute is frivolous or irrelevant. 
( A ) In general. A consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under this subsection if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

Therefore, I request that an immediate investigation be initiated regarding the referenced account. If the entity that reported the account can not provide documented evidence supporting the validity of this information, I demand that the entry be removed from my credit report as required by law. 

I have attached a copy of my identification and my current credit report, which details the disputed account. Additionally, I am including any relevant supporting documentation to back up my request. 

I expect a prompt resolution of this matter in accordance with the timelines established by law. Should I not receive an adequate response, I reserve the right to take appropriate legal action to protect my consumer rights. 

Thank you in advance for your attention to this matter. I look forward to your prompt response. 

Sincerely, [ Signature ]

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