Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
I am formally disputing the following accounts and personal information reported on my consumer credit file, which reflect inaccurate, unverifiable, and potentially fraudulent data. These records directly violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, 1681e ( b ), 1681i ( a ), 1681s-2 ( b ), and fail to meet XXXX XXXX Data Furnishing Standards as outlined by the CDIAs Credit Reporting Resource Guide ( CRRG ).

Let me be extremely clear : I have NOT authorized or consented to the reporting of these accounts. If you or your data furnishers are claiming otherwise, you are legally obligated to provide the original source documentation containing my wet signature or legally valid electronic authorization. Hearsay responses, boilerplate responses, or unverifiable electronic records will NOT satisfy your obligations under Federal law.

Personal Information Being Disputed ( Must Be Deleted Immediately ) : Incorrect Previous Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are hereby notified that you are legally prohibited from continuing to report any information that is inaccurate, unverifiable, or not compliant with your duty to maintain maximum possible accuracy under FCRA 1681e ( b ). Furthermore, per FCRA 1681i ( a ), upon notice of dispute, you are obligated to conduct a thorough reinvestigation and furnish all supporting documentation that proves the factual accuracy of these entries. 

You are also reminded that under XXXX XXXX standards, reporting inconsistent, fragmented, or unverifiable data across the bureaus constitutes data integrity violations and exposes you to additional liability for willful noncompliance. 

Failure to produce physical, admissible proof validating any of these disputed items will constitute your full acknowledgment that no such proof exists, and these items must be permanently deleted from my consumer file within the statutory timeframe. 

If you fail to comply, I will have no choice but to escalate this matter through formal complaints with the CFPB, FTC, State Attorney Generals Office, and file civil action for willful violations of my rights under the Fair Credit Reporting Act, including statutory damages, actual damages, and punitive damages. 

This is your legal notice. You are on record.

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