Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Date : XXXX, XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Final Dispute & Demand for Deletion and Compensation for Repeated Violations of FCRA & FDCPA Account Number : [ XXXX ] To Whom It May Concern : This is a final notice of dispute and formal demand for immediate deletion and monetary compensation regarding the Credit Acceptance account referenced above. Despite multiple previous disputes, this account continues to be reported with inaccurate, misleading, and unverifiable information, in clear violation of federal consumer protection laws. You have failed to make lawful corrections or removals, resulting in continued harm to my credit and financial standing. 

Documented Reporting Violations XXXX. False and Inaccurate Information ( FCRA XXXX ( b ) ) False payment reported in XX/XX/XXXX The account was closed and repossessed in XX/XX/XXXX. No payment was made afterward, yet TransUnion reflects a payment in XXXX. 

Multiple repossessions reported There was only XXXX repossession, yet the credit profile reflects more than XXXX. 

Late payments still being reported in XXXX The account has been closed since XX/XX/XXXX. Reporting new late payments is false and misleading. 

Incorrect balance of {$22000.00} This does not reflect any deficiency balance and ignores GAP insurance which should have been applied. 

Incomplete history Several months are marked ND ( no data ), which creates a misleading and inaccurate credit profile. 



XXXX. Failure to Correct After Disputes ( FCRA XXXX ( a ) ( XXXX ) ( A ) ) You failed to delete or correct this inaccurate and unverifiable data after multiple disputes, in direct violation of this provision. 



XXXX. Failure to Investigate & Update ( FCRA XXXX ( b ) ) XXXX XXXX did not conduct a proper investigation after being notified by the credit reporting agencies. 



XXXX. Re-aging of Account ( FCRA XXXX ( a ) ( XXXX ) ) Ongoing late payment reporting after the accounts closure is a form of illegal re-aging. A 30 day late payment was reported today. 



XXXX. False Credit Reporting by a Collector ( FDCPA XXXX ( XXXX ) ) If XXXX XXXX is acting as a XXXX  XXXX, knowingly reporting false, outdated, or misleading data is deceptive and unlawful under the FDCPA. 



XXXX. Civil Liability for Willful or Negligent Noncompliance ( FCRA XXXX & XXXX ) Repeated failure to correct and comply after notice makes you liable for statutory and actual damages, as well as attorneys fees and punitive damages. 

Demands for Resolution I am demanding the following within 15 calendar days of the date of this letter : Immediate deletion of the XXXX XXXX account from my TransUnion credit report Written confirmation of deletion Monetary compensation in the amount of {$7000.00} for : Inaccurate balance False payment reporting Re-aging of the debt Multiple repossession statuses Incomplete payment history FDCPA violations Continued reporting after valid disputes Payment Instructions Please issue payment to : XXXX XXXX via direct deposit XXXX XXXX Or Certified check or money order to address above If You Do Not Comply Within 15 Days : I will proceed with : Filing complaints with the Federal Trade Commission ( FTC ), and State Attorney General Filing a civil lawsuit in federal court to pursue : Statutory damages ( {$1000.00} per violation ) Actual damages Punitive damages Attorneys fees You are now officially on notice and have one final opportunity to resolve this matter amicably. 



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