Consumer complaint received 2025-09-02 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Experian XXXX. XXXX XXXX, XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate, Incomplete, and Inconsistent Reporting XXXX XXXX XXXXXXXX ( Account No. XXXX ) Dear Credit Bureau Representative, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. regarding the XXXX XXXX XXXX account referenced above. The reporting across TransUnion and Experian contains inconsistencies, inaccuracies, and incompleteness that violate federal law and my consumer rights. 

Documented Inconsistencies XXXX. Date of Last Activity TransUnion : XX/XX/XXXX ( this constitutes re-aging, which is unlawful as I have not made any transactions on this account in XXXX ) Experian : XX/XX/XXXX XXXX. Term Source Type TransUnion : Blank Experian : XXXX XXXX. Monthly Payment TransUnion : {$0.00} Experian : {$0.00} 4. Amount Past Due TransUnion : Blank Experian : XXXX XXXX. Payment History TransUnion : No history available Experian : No history available CFPB.gov Disputes Carry the Same Legal Weight as Direct Disputes Pursuant to FCRA 623 ( a ) ( 8 ) [ 15 U.S.C. 1681s-2 ( a ) ( 8 ) ], disputes submitted through the Consumer Financial Protection Bureau ( CFPB.gov ) complaint portal must be treated with the same legal effect and obligations as disputes submitted directly to a consumer reporting agency or furnisher. 

This means TransUnion and Experian can not downgrade, delay, or treat CFPB.gov disputes differently than direct disputes. All statutory duties under FCRA 607 ( b ), 611, and 623 apply equally, including the 30-day reinvestigation requirement and the duty to delete unverifiable or inconsistent information. 

Applicable Law, Guidance, and Case Law FCRA 607 ( b ) : CRAs must maintain maximum possible accuracy. 
FCRA 611 ( a ) ( 1 ) ( A ) : Reinvestigation must be completed within 30 days.

FCRA 611 ( a ) ( 5 ) ( A ) : Unverifiable or contradictory information must be deleted.

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) : If verified, the CRA must provide a Method of Verification ( M.O.V. ), including the furnishers name, address, phone number, and records relied upon.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers may not report information they know or should know is inaccurate.

FCRA 623 ( a ) ( 8 ) : CFPB.gov disputes are legally equivalent to direct disputes.

CFPB Bulletin 2013-09 : CRAs must conduct reasonable investigations and not rely solely on furnishers. 
FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Unverifiable or inconsistent data must be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : CRAs must perform independent investigations. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to meet timelines requires deletion. 

Demand for Action Immediate Deletion of the XXXX XXXX XXXX account due to unlawful re-aging, factual impossibilities, and incompleteness. 

If you verify this account as accurate, you must provide a Method of Verification ( M.O.V. ) within 15 days of the verification notice, including : Furnishers name Furnishers address Furnishers telephone number Exact records relied upon in verification Deadlines 30 days : Reinvestigation must be completed with written results. 
15 days : M.O.V. must be provided if verified. 

Preservation of Rights If violations continue, I will escalate this matter through the CFPB, FTC, and private legal action for statutory damages under FCRA 616617. This letter serves as formal notice of my preservation of rights. 

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