Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Re : Formal Dispute of Inaccurate Reporting XXXX XXXX XXXX Account ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT AMOUNT : {$1500.00} OPEN DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT AMOUNT : {$2200.00} OPEN DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT AMOUNT : {$5500.00} OPEN DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT AMOUNT : {$7500.00} OPEN DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT AMOUNT : {$6000.00} OPEN DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT AMOUNT : {$5800.00} OPEN DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT AMOUNT : {$1900.00} OPEN DATE : XX/XX/XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT AMOUNT : {$4100.00} OPEN DATE : XXXX/XXXX/XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT AMOUNT : {$2600.00} OPEN DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT AMOUNT : {$5300.00} OPEN DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT AMOUNT : {$3700.00} OPEN DATE : XX/XX/XXXX To Whom It May Concern, I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), 1681i, and the Truth in Lending Act, 15 U.S.C. 1666 ( b ), to dispute the inaccurate and damaging information being reported on my credit file. 




The account in question is reported as being 90 days late in XXXX. This is patently false and a billing/recording error. My records clearly show that the account was paid on time in XXXX, which makes it impossible for the account to have legitimately reached a 90-day delinquency status in XXXX. This inaccuracy directly violates : 15 U.S.C. 1681e ( b ) requiring consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report.

15 U.S.C. 1681i obligating reinvestigation of disputed information that is incomplete or inaccurate.

15 U.S.C. 1666 ( b ) which defines billing errors, including situations where a creditor makes an error in the amount or status of an obligation.

Additionally, federal case law has repeatedly held that the continued reporting of inaccurate or unverifiable information constitutes willful noncompliance with the FCRA, including XXXX XXXX Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ), which affirmed that consumer reporting agencies must do more than simply parrot what a furnisher providesthey must conduct a meaningful investigation. 

Accordingly, I demand the immediate deletion or correction of this inaccurate late payment notation. This account must reflect the accurate payment historyshowing that no 90-day late payment occurred in XXXX. 

If this information is not corrected or permanently deleted within 30 days of receipt of this letter, you will be in violation of federal law, and I will not hesitate to pursue all legal remedies available to me, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing civil action for damages under 15 U.S.C. 1681n and 1681o.

Please provide me with the results of your reinvestigation, along with a full updated copy of my credit report once your corrections are made. 

Sincerely, 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