Consumer complaint received 2025-11-09 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: FL

Complaint narrative:
I, XXXX XXXX XXXX, swear under penalty of perjury that the statements in this affidavit are true and correct. This letter serves as formal notice that TransUnion is reporting incomplete, inaccurate, and unverifiable data in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Metro-2 compliance standards. 
Personal Information Correction : Update my name to XXXX XXXX XXXX and remove all variations. Correct DOB, SSN, address, phone, and email to match the information above. 
Cross-Examination Statement : After comparing TransUnions report with XXXX  and XXXX, it is evident that TransUnions file contains missing tradelines, mismatched balances, and outdated data. These discrepancies prove violations of FCRA 1681e ( b ) and 1681i ( a ) ( 5 ) ( A ). 
1 ACCOUNTS IN DISPUTE ( TransUnion ) XXXX XXXX XXXX Account XXXX Collection account showing {$6200.00} marked 'Closed/Transferred. ' XXXX  reports {$6200.00} as open ; XXXX  reports {$6200.00} as open. 
These inconsistencies violate 1681e ( b ) and Metro-2 accuracy.

XXXXXXXX XXXX XXXX Account XXXX Not appearing on TransUnion though reported to other bureaus. This omission creates an incomplete consumer file in violation of 1681e ( b ) requiring maximum possible accuracy. 
XXXX ( XXXX XXXX Account XXXX Listed as charge-off with {$1000.00} balance. XXXX  lists {$0.00} balance, XXXX  shows both charge-off and collection. 
Contradictory reporting violates 1681e ( b ) and 1681i ( a ) ( 5 ) ( A ).

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion reports XXXX and XXXX late payments respectively, while XXXX  lists XXXX and XXXX, and XXXX  lists XXXX and 1. The mismatched delinquency counts prove inaccuracy under 1681e ( b ) and improper late-payment posting under 1666b. 
DEPARTMENT OF EDUCATION XXXX XXXX XXXX ( XXXX ) student loans currently deferred until XXXX. Historic late marks from XXXX remain, exceeding the seven-year limit under XXXX ( a ). Duplicate loans also appear. These issues violate 1681e ( b ), 1681i ( a ) ( 5 ) ( A ), and DOE 682.208 ( k ). 
2 LEGAL BASIS & EXPLANATIONS FCRA 1681c ( a ) : Outlaws reporting of delinquencies older than seven ( 7 ) years from first delinquency.

FCRA 1681e ( b ) : Requires maximum possible accuracy ; inconsistent and missing tradelines breach this duty.

FCRA 1681i ( a ) ( 5 ) ( A ) : Mandates deletion of unverifiable or inaccurate information after reinvestigation.

FCRA 611 : Demands a reasonable investigation within 30 days of receipt of this dispute.

FDCPA 1692g : Requires validation of alleged debts before continued reporting ( applies to XXXX and XXXX ). 
15 U.S.C. 1666b : Improper late-payment posting violates billing accuracy requirements.

DOE 34 CFR 682.208 ( k ) : Prohibits servicers from reporting delinquency while loans are in deferment.

Metro-2 Compliance : Industry standards demand identical and accurate data across all bureaus ; missing XXXX tradeline XXXX noncompliance. 
XXXX DEMAND FOR IMMEDIATE ACTION XXXX. Delete duplicate or obsolete XXXX/NELNET tradelines and remove outdated late marks. 
XXXX. Validate or delete XXXX, XXXX, and XXXX accounts. 
XXXX. Correct XXXX  XXXX payment history inconsistencies. 
4. Fix all personal identifiers to my correct legal information.

5. Provide written confirmation of deletions and a new updated credit file.

4 NOTICE OF NON-COMPLIANCE Failure to remove and correct these inaccurate entries within the statutory period will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). TransUnions continued reporting of unverifiable and incomplete data is outrageous and willful neglect under FCRA 616617 and exposes you to civil liability. 
I certify under penalty of perjury that the information above is true, correct, and based on my review of my credit files.

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