Consumer complaint received 2025-11-08 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: MS

Complaint narrative:
* * DISPUTE LETTER CREDIT REPORT INACCURACY * * * * Date : * * XX/XX/XXXX * * To : * * Equifax Information Services XXXX XXXX.XX/XX/XXXXExperian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX * * Subject : * * Formal Dispute of Credit Report Errors XX/XX/XXXX Account -- - Dear Credit Bureau Representative, I am writing to formally dispute inaccurate and inconsistent information reported on my credit report regarding the following account :XX/XX/XXXX The reporting for this account contains multiple discrepancies across the three major credit bureaus, which violate theXX/XX/XXXXFair Credit Reporting Act ( FCRA 602 ( a ), 607 ( b ), and 611 ( a ) ) XX/XX/XXXX 

XX/XX/XXXXDiscrepancies Identified XX/XX/XXXXFuture Start Date : * * * All bureaus report XX/XX/XXXX as the start date, which is in the future and clearly inaccurate. Violates * * FCRA 607 ( b ) * *.

2. * * Date Opened/ Closed Discrepancies :XX/XX/XXXX Equifax / Experian : Date Opened XX/XX/XXXX * TransUnion : Date Opened XX/XX/XXXX * Date Closed missing on XXXX XXXX XXXX XX/XX/XXXX on TransUnion. 

XX/XX/XXXX Last Activity / Last Payment Conflicts : XX/XX/XXXX Equifax Last Activity XX/XX/XXXX / Last Payment XX/XX/XXXX * Experian Last Activity XX/XX/XXXX / Last Payment XX/XX/XXXXXX/XX/XXXX TransUnion Last Activity XX/XX/XXXX / Last Payment XX/XX/XXXX XXXXXX/XX/XXXX Comments/ Account Notes Inconsistencies :XX/XX/XXXX Equifax : Charged off account * Experian : Account transferred or sold/ Purchased by another lender / Unpaid balance reported as a loss * TransUnion : Charged off as bad debt / Purchased by another lender XX/XX/XXXX Missing Verification Dates :XX/XX/XXXXXX/XX/XXXXLast Verified missing on Equifax and Experian violates completeness underXX/XX/XXXXFCRA 607 ( b ) * *. 

XXXX. * * High Balance Discrepancy : * * * Equifax reports {$680.00}, Experian/XX/XX/XXXX report {$560.00}. 

XX/XX/XXXXRequested Actions XX/XX/XXXX Under the XX/XX/XXXX FCRA XX/XX/XXXX I request the following : 1. Conduct a * * full investigation XX/XX/XXXXwith WORLD FIN to verify the accuracy of all reported information. 
XXXX. Correct all inaccurate, incomplete, or inconsistent information, including : * Start Date / Last Activity / Last Payment * Date Opened/ Date Closed * High Balance / Terms * Comments/ Account Notes * Last Verified Dates XXXXXX/XX/XXXXcan not provide verified documentation,XX/XX/XXXXremove this account from my credit report entirely XX/XX/XXXX 
XXXX. Provide XX/XX/XXXX written confirmation XX/XX/XXXX of the investigation results within XX/XX/XXXX30 daysXX/XX/XXXX, as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely,XX/XX/XXXXXXXX XXXX, XXXX XXXX Date of Birth : XX/XX/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