Consumer complaint received 2025-08-19 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Dispute Letter To : TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, XXXX  XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX Re : Formal Dispute of XXXX XXXX XXXX under FCRA 602A, 607 ( B ), 609, 611, and 623 Dear TransUnion, I am writing to formally dispute and demand removal of inaccurate, incomplete, and unverifiable information from my TransUnion consumer credit file. This letter is submitted under my rights afforded by the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

1. Personal Information Discrepancies Correct Legal Name : XXXX XXXX ( no middle initial ). 

Correct Address : XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. 

Please delete all other addresses ( including XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX ) and variations of my name that are not mine. 

2. Inquiries to be Removed ( Unverified/Unauthorized ) The following hard inquiries must be deleted immediately, as they were not authorized by me and are damaging to my creditworthiness : All XXXX  XXXX inquiries ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ). 

XXXX XXXX inquiry dated XXXX XXXX, XXXX. 

Imperative / Informative inquiry dated XX/XX/XXXX. 

These inquiries were not initiated by me, and per FCRA 604 ( a ) ( 2 ), a permissible purpose must be verified. If you can not produce documented proof of my consent, you must remove them. 

3. Duplicate and Inaccurate Accounts XXXX Accounts ( {$720.00} ) Appearing multiple times ( opened XXXX and XXXX ). These are duplicates and misrepresent my credit history. Please delete the duplicates. 

XXXX Account # XXXX ( {$1600.00} original balance ) Closed and marked late. I dispute the accuracy of these lates. 

XXXX  XXXX Account Previously reported as derogatory. I was never late on this account. Please correct the record and remove any late notations. 

XXXX Accounts Showing multiple late payments. These are duplicates and inaccurately reported. 

Under FCRA 607 ( b ), TransUnion must assure maximum possible accuracy. Duplicate reporting and unverifiable negative data violates this requirement. 

4. Legal Basis for Deletion FCRA 609 ( a ) ( 1 ) I have a right to a full disclosure of the sources of all data reported. 

FCRA 611 ( a ) ( 1 ) ( A ) You must reinvestigate my disputes within 30 days.

FCRA 611 ( a ) ( 5 ) ( A ) If information can not be verified, it must be deleted.

FCRA 623 ( a ) ( 1 ) ( A ) Data furnishers may not report information they know or should know to be inaccurate. 

XXXX XXXX : XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) ( credit bureau must conduct meaningful reinvestigation ). 

5. Requested Action Please : Delete all inaccurate addresses and name variations. 

Remove the unauthorized inquiries listed above. 

Delete or correct all duplicate Self/Lead and XXXX  accounts. 

Remove inaccurate late payment notations from XXXX XXXX and XXXX. 

Provide me with a corrected credit report. 

Failure to comply will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and possible civil action under FCRA 616 & 617, where I may seek statutory damages, actual damages, attorneys fees, and punitive damages. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone : ( 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 explanation