Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To : TransUnion [ XXXX. XXXX XXXX XXXX, PA XXXX ] Date : [ XX/XX/XXXX ] Re : Request for Reinvestigation, XXXX XXXX XXXX XXXX XXXX and Method of Verification Name : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( last XXXX ) : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Whom It May Concern : I am disputing the accuracy and completeness of several items on my TransUnion credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Please reinvestigate the items below in accordance with 1681i and either verify them with complete documentation or delete/correct them. 

XXXX. XXXX XXXX XXXX XXXX Bankruptcies XXXX XXXX  bankruptcy filed XX/XX/XXXX, reference no. XXXX, XXXXXXXX XXXX XXXXXXXX ( reported as dismissed ). 
XXXX XXXX bankruptcy filed XX/XX/XXXX, reference no. XXXX, XXXX Bankruptcy Court. 

Reason for dispute : Both cases have been dismissed, not successfully completed. Yet multiple tradelines remain coded as wage earner or similar plan, which implies an active or valid XXXX XXXXXXXX plan. This is misleading, and the public-record entries must reflect the accurate, current disposition.

Method of Verification Request ( Public Records & Bankruptcies ) : In addition to my dispute, I am formally requesting the method of verification for these bankruptcy/public record entries pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) and 1681i ( a ) ( 7 ). After you complete your reinvestigation, please provide me with a written description of the precise procedures you used to verify these public records, including : Whether TransUnion obtained information directly from the courthouse, and if so, the name and address of the court and the specific department or clerk contacted ; Whether TransUnion relied on any third-party public record vendor or data aggregator ( rather than the court itself ), including the name, address, and telephone number of each such company and the exact data they furnished ; A description of any automated, off-site, or bulk data systems used to verify or update these public records instead of accessing current court records ; and An explanation of how these procedures satisfy TransUnions duty under 15 U.S.C. 1681e ( b ) to follow reasonable procedures to assure maximum possible accuracy, particularly when information is not obtained directly from the court.

If TransUnion can not clearly document that the bankruptcy/public record data was obtained from a reliable, accurate, and directly verifiable source using reasonable procedures, then these entries must be deleted from my credit file. 

XXXX. XXXX XXXX XXXXXXXX Installment Account No. XXXX Reason for dispute : TransUnion reports this account as Wage earner or similar plan with an original balance of approximately {$37000.00} but no clear current balance and no payment history. Since my XXXX XXXX cases were dismissed, continuing to list the account in a wage earner/plan status is inaccurate and misleading without proper context or updated status. 

Please obtain complete documentation from XXXX XXXX XXXXXXXX showing the post-dismissal status and update the tradeline accordingly or delete it if full verification is not possible. 

XXXXXXXX XXXX XXXXXXXX Account XXXX. XXXX Reason for dispute : This account is reported as Charged off as bad debt with an original balance of approximately {$4500.00}, current balance {$0.00}, and the comment Purchased by another lender, but with no payment history. If the debt has been sold, then there should be clarity as to the current owner, and the original creditors reporting must not be incomplete or misleading. The absence of any payment history and incomplete context about the transfer raises questions about the accuracy of this tradeline. 

I request that TransUnion obtain full documentation from XXXX and the current owner of the debt, if any. If the charge-off and transfer can not be fully verified or is incomplete, please delete this tradeline. 

XXXX. XXXXXXXX XXXX XXXXXXXX Account XXXX. XXXX Reason for dispute : This account is listed as Wage earner or similar plan, with an original balance of approximately {$13000.00} and the comment XXXX XXXX wage earner plan account, but my Chapter XXXX cases have been dismissed. The status is not updated to reflect the true, current condition of the account and is misleading. 

Please update this account to reflect its correct post-dismissal status, or delete it if the furnisher can not provide accurate verification. 

XXXX. XXXX XXXX Account XXXX. XXXX Reason for dispute : This accounts status is Wage earner or similar plan, with the comment Chap. XXXX wage earner plan account, and a credit limit of {$5000.00}, but no payment history. This status does not reflect the fact that my Chapter XXXX cases were dismissed and is misleading without proper updates. 

Please verify with Regions and either correct the entry to its true status or delete it. 

XXXX. XXXX XXXX XXXX Account XXXX. XXXX Reason for dispute : This account is reported as Wage earner or similar plan with a comment that it is a XXXX XXXX wage-earner plan account. Another bureau, however, reports a XXXX account with the same number as open and never late, which is inconsistent. These conflicting reports across bureaus show that at least XXXX is inaccurate or incomplete. 

Please obtain documentation from XXXX/the issuing bank to verify the current status and correct or delete the tradeline as appropriate. 

XXXX. XXXX XXXX XXXX Account XXXX. XXXX Reason for dispute : This account is reported as Wage earner or similar plan with an original balance of approximately {$36000.00} and the comment XXXX XXXXXXXXdispute resolved/consumer disagrees. The continued wage earner status after dismissal of my XXXX XXXXXXXX cases is inaccurate and misleading, and the comment does not clearly reflect the final disposition. 

Please verify with XXXX whether this account is still part of any active plan ( it should not be ), and update it to the correct status or delete it. 

XXXX Requested For each disputed item, I request that TransUnion : 1. Perform a reasonable reinvestigation under FCRA 1681i ; 2. Obtain and review actual documentation from the furnisher and the court ; 3. Delete or correct any item that can not be verified as accurate and complete ; and 4. Provide me with an updated copy of my TransUnion report and a written explanation of the procedures used in your reinvestigation, including the method of verification for the public records as requested above. 

Enclosed are copies of my identification and proof of address. 

Sincerely, XXXX XXXX XXXX : 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