Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
FCRA Violation Argument for Account Deletion Under Section 605 of the Fair Credit Reporting Act ( FCRA ), negative items such as late payments, charge-offs, collections, and other derogatory marks are required to be reported accurately, completely, and fairly. When a creditor or collection agency reports information that is incomplete, inaccurate, or unverifiable, it violates the FCRA. If the negative items in question have discrepancies, such as incorrect balances, payment histories, or dates, you have the right to dispute these items and request their removal. 

Relevant Case Law : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) This case reaffirms that a violation of the FCRA must result in a tangible harm, and that consumers can enforce their rights under the FCRA when the credit reporting agency fails to provide accurate information or fails to perform a reasonable investigation of disputed items. 

XXXX XXXXXXXX Trans Union XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) This case supports that when a consumer disputes an account as inaccurate, the XXXX XXXX XXXX must investigate the dispute within 30 days. If they fail to conduct a reasonable investigation, it is a violation of the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) This case demonstrates the FCRAs requirement for credit reporting agencies to investigate consumer disputes thoroughly and to provide accurate and verifiable information. If they fail to investigate correctly or report incorrect data, the information should be removed. 

XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The court ruled that creditors and credit reporting agencies have a responsibility under the FCRA to correct or delete inaccurate information once they are informed of the error, and if they fail to act within a reasonable timeframe, they are in violation of the law. 

Sample Argument for CFPB Complaint : Subject : Dispute of Inaccurate Reporting and Violation of the FCRA - Request for Immediate Deletion I am writing to dispute several negative items on my credit report related to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX. XXXX, XXXX. These accounts are being reported with inaccurate or unverifiable information that I believe violates the Fair Credit Reporting Act ( FCRA ). 

The inaccurate reporting includes charge-offs, delinquencies, and collection accounts, which are either being reported with incorrect balances, incorrect dates, or without proper verification of the debt. Under Section 605 of the FCRA, items such as charge-offs, late payments, and collections must be accurate, complete, and verifiable. These accounts are showing discrepancies in their reporting, and I am requesting that they be permanently deleted and removed from my credit report as per my rights under the FCRA. 

Specifically, XXXX XXXX XXXX XXXX reports a balance of {$10000.00} past due despite the account being closed and marked as a charge-off. Furthermore, several other accounts are reported with incorrect payment history and balances that do not match the actual terms or payments made.

Under Section 1681i of the FCRA, when a dispute is made, credit reporting agencies are required to investigate the matter and correct any inaccuracies. These agencies have failed to fulfill their duties as prescribed by the law, and I am requesting that these items be removed permanently from my credit file to ensure the accuracy and fairness of the information being reported. 

If these items are not deleted, I will pursue further legal action to hold the creditors and credit agencies accountable for these violations. 

Legal Request : I request that the following items be deleted immediately from my credit report : XXXX XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXX XXXX XXXX XXXX XXXX  ( Account Number : XXXX ) I expect a prompt investigation and resolution of this matter, with updates sent to me within 30 days of your response. 

Thank you for your attention to this matter. I look forward to hearing from you soon.

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