Consumer complaint received 2025-11-20 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Formal Dispute of Inaccurate Credit Information Consumer Name : XXXX XXXX XXXX Consumer Address : XXXX XXXX XXXX XXXX XXXX, IN XXXX Date of Birth : XX/XX/XXXX SSN : XXXX To Whom It May Concern : I am writing to formally dispute inaccurate and incomplete information on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i.

I recently reviewed my credit file from your agency and identified the following item ( s ) as erroneous. I have listed the specific item, the reason for my dispute, and the requested action. 
Disputed Item 1 : XXXXXXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00}. 

Reason for Dispute : I have never had an account with this creditor. 
Required Action : I request that this item be deleted in its entirety from my credit file. 




Disputed Item 2 : XXXX XXXX with account # XXXX and a balance of {$300.00}. 
The original creditor is XXXX. 
Reason for Dispute : I have never had an account with this creditor. 
Required Action : I request that this item be deleted in its entirety from my credit file. 

Disputed Item 3 : XXXX XXXX XXXX XXXX XXXX Deposit with account # XXXX opened on XX/XX/XXXX and a balance of {$2000.00}. 
Reason for Dispute : I have never had an account with this creditor. 
Required Action : I request that this item be deleted in its entirety from my credit file. 

Disputed Item 4 : XXXX XXXX XXXX XXXX XXXX Secured Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$110.00}. 
Reason for Dispute : I have never had an account with this creditor. 
Required Action : I request that this item be deleted in its entirety from my credit file. 

Disputed Item 5 : Collection account from XXXX XXXX with account # XXXX and a balance of {$160.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX 
Reason for Dispute : I have never had an account with this creditor.

Required Action : I request that this item be deleted in its entirety from my credit file.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation of these disputed items within 30 days of receiving this notice, unless you deem my dispute frivolous.

Furthermore, upon confirming the inaccuracies, you must promptly delete or correct the information as required by 15 U.S.C. 1681i ( a ) ( 5 ).

Pursuant to 15 U.S.C. 1681s-2 ( b ), you are also required to forward all relevant information regarding my dispute to the furnisher of this information. The furnisher is then legally obligated to conduct an investigation, review all relevant information provided by you, and report the results back to you. If the information is found to be inaccurate or can not be verified, the furnisher must notify all XXXX  Credit Reporting Agencies to Which it reported the information so that it can be corrected or deleted. 
Please conduct a complete and proper investigation into these matters and provide me with the written results of your reinvestigation, as required by law. Once the investigation is complete, you are required to provide me with a free, updated copy of my credit report reflecting the changes. 
Thank you for your prompt attention to this serious matter. 
Sincerely, XXXX 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