Consumer complaint received 2025-10-09 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:
Subject : FCRA Dispute and Deletion Demand TransUnion Credit Report To Whom It May Concern : This complaint is submitted to correct and remove inaccurate, incomplete, or unverifiable information currently appearing on my TransUnion consumer report. It is filed under the Fair Credit Reporting Act ( FCRA ). and in reference to case # XXXX ACCOUNTS IN DISPUTE : | Creditor / Furnisher | Account No. ( Last 4 ) | Issue / Status | Requested Action | FCRA Section | | -- -- -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -| | XXXX XXXX XXXX  ( XXXX ), XXXX . | XXXX | Reported as Charge-off ; unverifiable debt | Delete immediately | 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), 623 ( a ) ( 1 ) ( A ) | XXXX XXXX XXXX ( XXXX ) , XXXX. | XXXX | Inaccurate and inconsistent late payment data | Correct all payment history | 607 ( b ), 611 ( a ) ( 5 ) ( A ), 623 ( a ) ( 1 ) ( A ) | XXXX XXXX XXXX XXXX | XXXX | Misreported utilization and late payment activity | Correct and verify accuracy | 607 ( b ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ) | | XXXX XXXX XXXX / XXXX | XXXX | Closed, paid as agreed | Verify accuracy only ( do not delete ) | 607 ( b ) | ADDITIONAL DISPUTES/ CORRECTIONS | Category | Issue | FCRA Section | Requested Action | | -- -- -- -- -- -| -- -- -- -- | -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- | | Hard Inquiries | Unauthorized or unverifiable inquiries ( excluding XXXX XXXX  XXXX XX/XX/XXXX ) | 604 ( a ) ( 2 ), 611 ( a ) ( 1 ) ( A ) | Delete inquiries without permissible purpose | | Personal Information | Outdated addresses and names | 607 ( b ) | Retain only verified name and current address | | Data Breach Risk | TransUnion XX/XX/XXXX breach potential mixed file | 605B | Expedite manual reinvestigation and block unverifiable data | -- - MANUAL INVESTIGATION DEMAND Pursuant to FCRA 611 ( a ) ( 2 ), I demand a manual reinvestigation of all disputed information. Verification through E-OSCAR or automated systems does not meet the FCRAs reasonable investigation requirement. Each furnisher and TransUnion must provide documentary evidence of the debt or delete the account.

-- - EXPEDITED HANDLING REQUEST Due to the TransUnion data breach of XX/XX/XXXX, all disputes should be handled on an expedited basis to prevent further identity exposure or reporting inaccuracies. 

-- - REQUESTED ACTIONS XXXX. Delete all unverifiable or inaccurate accounts and inquiries. 
2. Correct all remaining inaccurate data.

3. Retain only verified personal information : - Name : XXXX XXXX XXXX - Address : XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX 4. Provide written confirmation of deletions and corrections within 15 days.

5. Do not reinsert any deleted items without full FCRA 611 ( a ) ( 5 ) ( B ) certification.

6. Please note : I will not accept any verification generated through the E-OSCAR or similar automated system ; only documentary evidence supplied directly by the furnisher will satisfy this reinvestigation. 
-- - Failure to comply will constitute willful noncompliance under XXXX and may result in legal action for statutory damages and attorneys fees.

Attachments : Copy of Drivers License Proof of Address Supporting Account Documentation

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