Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Accounts Being Challenged : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am exercising my right under the Fair Credit Reporting Act ( FCRA ) to dispute potentially inaccurate information appearing on my credit report. I take the accuracy of my credit file very seriously and respectfully request your assistance in correcting any errors. 

I understand that creditors are legally obligated to document and validate the information reported to credit bureaus. I am writing to formally express concern regarding the accuracy, completeness, timeliness, and verification of the information reported for the XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX 

It is imperative that you provide documented proof of compliance with all applicable reporting standards and consumer protection laws. 

Upon my review, I have identified multiple inaccuracies, incomplete data points, and unverifiable claims associated with this account. Therefore, I respectfully request that any inaccurate, incomplete, unverified, or otherwise non-compliant information be promptly removed from my credit report. 

I trust you will take the necessary steps to address this issue and provide the appropriate documentation as required by law. 

Specific Discrepancies Identified : Date Opened ( XXXX ) : XX/XX/XXXX This date must precisely align with industry standards and verified documentation. I have significant concerns that this entry may not fully comply with required regulations, suggesting a possible inadvertent reporting error. I respectfully request the immediate removal of this account to prevent potential harm. 

Balance ( XXXX ) : {$3800.00} The balance reported may reflect a failure to comply with XXXX XXXX XXXX or proper reporting standards. It is essential that all data fields are complete, accurate, and fully compliant before being reported to the credit bureaus. Please take the necessary corrective measures to resolve this issue and prevent any adverse impact on my credit profile. 

No. of Months ( Terms ) ( XXXX ) : XXXX The reported loan term does not appear to comply with the proper reporting protocols and is, therefore, deficient and inaccurate. 

Last Reported : XX/XX/XXXX This reporting date raises concerns regarding its accuracy and compliance with XXXX reporting standards. The entry appears unverifiable, inconsistent, and potentially non-compliant with federal reporting mandates. 

Date Last Active ( XXXX ) : XX/XX/XXXX This date may deviate from the reporting requirements outlined in the Credit Reporting Resource Guide ( CRRG 3-4 ). Any such deviations violate Metro 2 and other credit reporting protocols. 

Date of Last Payment ( XXXX ) : XX/XX/XXXX The reported payment date is inconsistent with mandatory reporting guidelines and industry standards. I urge prompt correction or removal of this account to prevent further repercussions.

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