Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Dispute of Inaccurate Credit Reporting ( TransUnion Report ) To Whom It May Concern : I am writing to dispute multiple inaccurate, unverifiable, outdated, and incomplete items on my TransUnion credit report, as protected under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 et seq.. The following accounts violate federal law and your obligations as a consumer reporting agency : Disputed Accounts & Legal Violations 1. Unverifiable, Incomplete, or Inaccurate Accounts Account ( s ) with Missing or Conflicting Data : Several accounts lack required fields such as " Date Closed, '' " Activity Designator, '' or " Charge Off Amount, '' or contain conflicting payment timelines. This violates 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 1 ), which require maximum possible accuracy and a reasonable reinvestigation of disputed information. 
Outdated Negative Information : Negative items such as late payments, charge-offs, or collections that are more than XXXX years old from the date of first delinquency are still being reported, violating 15 U.S.C. 1681c ( a ) ( 4 ) - ( 5 ).

2. Collections and XXXX XXXX XXXX Accounts : Accounts reported by debt buyers or collectors without documentation or validation constitute a violation of 15 U.S.C. 1681i ( a ) ( 1 ) and 1692g ( b ), which require removal of unverifiable or disputed debts.

Reporting of Stale Debt : Continued reporting of debts that exceed the seven-year reporting window is a violation of 15 U.S.C. 1681c ( a
) and is considered deceptive under 15 U.S.C. 1692e ( 8 ).

3. Incomplete Payment Histories Blank or Incomplete Fields : Accounts with blank " Activity Designator, '' missing " Date Closed, '' or incomplete payment histories violate CFPB Bulletin 2014-01 and 15 U.S.C. 1681s-2 ( b ), which require furnishers to report complete and accurate information.

Legal Demands I demand that TransUnion : Immediately delete all disputed accounts that are unverifiable, incomplete, or inaccurate under 15 U.S.C. 1681i ( c ).

Update all payment timelines to comply with the seven-year reporting limit per 15 U.S.C. 1681c ( a ).

Cease reporting unresolved disputes in accordance with 15 U.S.C. 1681i ( d ).

If these items are not permanently deleted or corrected within 30 days, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) and pursue litigation for statutory damages under 15 U.S.C. 1681n.

Attached : TransUnion credit report Highlighted discrepancies Certify in writing that these items have been permanently removed. 

Sincerely, XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau, Federal Trade Commission Legal Foundation : 15 U.S.C. 1681e ( b ) : Maximum possible accuracy 15 U.S.C. 1681i : Procedures in case of disputed accuracy 15 U.S.C. 1681c : Reporting of obsolete information 15 U.S.C. 1681s-2 ( b ) : Duties of furnishers of information 15 U.S.C. 1692g ( b ), 1692e ( 8 ) : Debt collection and deceptive practices CFPB Bulletin 2014-01 : Complete reporting of payment historiesXXXX

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 explanation