Consumer complaint received 2025-02-28 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Formal Dispute of Inaccurate and Unverifiable Information on Credit Report ( Pursuant to 15 U.S. Code 1681e Compliance Procedures, 1681i Reinvestigation of Disputed Information, 1681c Reporting of Obsolete Information, and 1681b Permissible Purposes of Consumer Reports ) Transunion XXXX XXXX XXXX XXXX XXXX XXXX Dear Transunion, I am formally disputing inaccurate and unverifiable information on my credit report. Under 15 U.S. Code 1681e, credit bureaus are legally required to maintain reasonable procedures to ensure maximum possible accuracy in consumer reports. As per FCRA 611 ( 15 U.S.C. 1681i ), you are obligated to investigate and remove any information that is inaccurate, incomplete, or can not be verified within 30 days. 
Additionally, per FCRA 605B, any account associated with identity theft must be deleted immediately, and under FCRA 609, I have the right to full verification and documentation of any disputed accounts. 
Creditor Name Account Number Disputed Issue Bureau Reporting Discrepancies Requested Action XXXX XXXX Inconsistent payment history and balance reporting No reporting on Experian, different credit limits, Equifax shows payment history but missing on Experian and TransUnion Remove late payment XXXX XXXX XXXX Inconsistent payment amounts TransUnion : {$68.00}, Experian & Equifax : {$27.00}, missing from Equifax Remove late payment XXXX XXXXXXXX Incorrect balance reporting TransUnion : {$550.00}, Experian : {$550.00}, Equifax : {$550.00}, missing history on Equifax Remove late payment FST XXXX XXXX Incorrect balance and identity theft Different balances reported, Equifax shows {$0.00} balance, no payment history on Equifax Delete account due to identity theft XXXX XXXX No reporting on all bureaus Experian reports {$0.00}, no reporting for Equifax & TransUnion Delete account due to inaccurate records XXXX XXXX Incorrect balance & late payment reporting TransUnion : {$650.00}, Experian : {$650.00}, Equifax : {$0.00}, late payments reported for XXXX & XX/XX/XXXX Remove late payments XXXX XXXXXXXX Late payment inaccuracies TransUnion & Experian report 30 days late ( XX/XX/XXXX ), Equifax reports 30 days late ( XX/XX/XXXX ) Remove late payments XXXX XXXX XXXX Fraudulent account ( ID theft ) Equifax missing payments from XX/XX/XXXX - XX/XX/XXXX Delete account due to identity theft XXXX XXXX XXXX XXXXXXXX Reporting inconsistencies Reported in TransUnion & Experian but missing from Equifax, inconsistent late payment records Delete account due to inaccurate records XXXX XXXX XXXX XXXX Inconsistent payment history & term length Different reporting on all bureaus, missing data for Equifax Delete from credit due to inaccurate reporting XXXX XXXXXXXX Fraudulent account ( ID theft ) This account does not belong to me Delete from credit XXXX XXXXXXXX Incorrect payment history TransUnion & Experian show reporting from XXXX, missing Equifax, never late Remove late payment XXXX XXXX XXXX  Legal Basis for Deletion or Correction : - 15 U.S. Code 1681e Requires credit bureaus to maintain reasonable procedures to ensure accuracy.

- FCRA 611 ( 15 U.S.C. 1681i ) Mandates the deletion of unverifiable or inaccurate information within 30 days.

- FCRA 605 ( 15 U.S.C. 1681c ) Restricts the reporting of outdated negative information.

- FCRA 609 ( 15 U.S.C. 1681g ) Grants me the right to full verification and documentation of these accounts.

- FCRA 605B Requires the immediate removal of any account resulting from identity theft.

I request a written response within 30 days as required by the FCRA. If these accounts can not be verified with proper documentation, they must be permanently removed from my credit file. 
Please mail the results of your investigation to the address provided above. 

Sincerely, 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