Consumer complaint received 2025-02-02 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: CA

Complaint narrative:
Subject : URGENT DISPUTE FCRA VIOLATIONS XXXX XXXX XXXX Acct # XXXX RECENT CFPB ACTION AGAINST EQUIFAX Date : XX/XX/year> Dear Sir or Madam, This letter serves as a formal dispute under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) regarding inaccurate, misleading, and potentially illegal information reported on my credit file for the following account : Creditor : XXXX XXXX XXXX Account Number : XXXX Account Status : Collection/Chargeoff Nature of Dispute : Multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) DEMAND FOR IMMEDIATE CORRECTION 1. Credit Limit Discrepancy ( 15 U.S.C. 1681e ( b ) ) Equifax reports a {$0.00} credit limit while XXXX reports {$2900.00}. This inconsistency negatively affects my credit utilization ratio and must be corrected.

2. High Credit Inconsistency ( 15 U.S.C. 1681e ( b ) ) The high credit limit must be reported accurately and consistently across all bureaus.

3. Incorrect Account Status ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) If the balance and past due amount are both {$0.00}, the account must not be reported as Derogatory or Charged Off.

4. Illegal Re-Aging of Debt ( 15 U.S.C. 1681c ( a ) ( 4 ) ) The Last Reported and Last Active Dates have been fraudulently updated, violating the FCRAs seven-year reporting rule.

5. Failure to Mark Account as Disputed ( 15 U.S.C. 1681s-2 ( a ) ( 3 ) ) This account must be marked as disputed immediately, as required by law.

6. Failure to Properly Identify New Creditor ( FDCPA 15 U.S.C. 1692e ) If the account has been sold or transferred, the current debt owner must be identified or the tradeline must be removed.

RECENT CFPB ACTION AGAINST EQUIFAX {$15.00} XXXX PENALTY TO CONSUMERS I reference the CFPBs recent enforcement action against Equifax, where the bureau ordered Equifax to pay {$15.00} XXXX t

o affected consumers for : Failing to conduct reasonable investigations of consumer disputes. Allowing previously corrected errors to reappear on credit reports. Not forwarding all relevant consumer information to furnishers during dispute investigations. These systemic failures prove that Equifax has been repeatedly negligent in handling consumer disputes. I demand immediate corrections to avoid further legal liability. FAILURE TO COMPLY WILL RESULT IN LEGAL ACTION If these errors are not corrected within 30 days, I will : File a formal complaint with the CFPB. Pursue legal action under 15 U.S.C. 1681n for willful noncompliance, seeking statutory damages, punitive damages, and attorney fees. ENCLOSED DOCUMENTS Supporting evidence of inaccuracies. This letter serves as official notice under the FCRA. I expect immediate compliance.

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