Consumer complaint received 2025-05-15 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: MD

Complaint narrative:
XXXX REPORTED MULTIPLE 90-DAY LATE PAYMENTS TO THE CONSUMER REPORTING AGENCIES XXXX XXXX XXXX, TRANSUNION, AND XXXX ) IN XXXX AND XX/XX/year>. THESE REPORTS ARE BOTH INACCURATE AND IN VIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ) UNDER 15 U.S.C. 1681S-2 ( A ), AND METRO 2 COMPLIANCE STANDARDS. 

IN A WRITTEN RESPONSE DATED XX/XX/year>, XXXX ADMITTED THAT THEY SENT NOTIFICATIONS TO INCORRECT CONTACT INFORMATION. THEIR EXACT STATEMENT WAS : WE NOTICED THE MAILING ADDRESS, EMAIL ADDRESS, AND PHONE NUMBER YOU INCLUDED WITH YOUR INQUIRY DIFFERS FROM THE MAILING ADDRESS, EMAIL ADDRESS, AND PHONE NUMBER WE HAVE ON FILE. 

THIS IS A CLEAR ADMISSION THAT THE CONSUMER DID NOT RECEIVE PROPER NOTIFICATION PRIOR TO NEGATIVE CREDIT REPORTING, WHICH IS A VIOLATION OF BOTH FEDERAL LAW AND XXXX XXXX FORMATTING GUIDELINES. 

FURTHER, THE REPORTED 90-DAY DELINQUENCIES ARE STRUCTURALLY INCORRECT BECAUSE NO 30-DAY OR 60-DAY LATE PAYMENTS WERE REPORTED PRIOR, WHICH VIOLATES DATA FURNISHING LOGIC UNDER XXXX XXXX. 

XXXX HAS ALSO CONTINUED TO REPORT DEROGATORY DATA EVEN AFTER THE ACCOUNT WAS DISPUTED, ANOTHER DIRECT VIOLATION OF XXXX XXXX AND FCRA REQUIREMENTS. 

I AM DEMANDING IMMEDIATE INVESTIGATION, SANCTIONS, AND FULL DELETION OF ALL XXXXRELATED NEGATIVE REPORTING FROM MY CREDIT FILES.

FORMAL DISPUTE OF INACCURATE CREDIT REPORTING BY XXXX XXXX XXXX AND FCRA VIOLATIONS I AM WRITING TO DISPUTE THE FALSE AND NON-COMPLIANT REPORTING OF A STUDENT LOAN ACCOUNT BY XXXX, ACCOUNT NUMBER XXXX. 

XXXX IS CURRENTLY REPORTING 90-DAY LATE PAYMENTS IN XXXX AND XX/XX/year> TO YOUR AGENCY. THIS INFORMATION IS INCORRECT, MISLEADING, AND UNLAWFUL UNDER THE FAIR CREDIT REPORTING ACT ( 15 U.S. CODE 1681S-2 ( A ) ) AND THE XXXX XXXX CREDIT REPORTING GUIDELINES. 

IN A LETTER DATED XX/XX/year>, XXXX ADMITTED THAT THEY SENT COMMUNICATIONS TO THE WRONG ADDRESS, EMAIL, AND PHONE NUMBER. THIS IS A DIRECT ADMISSION THAT I WAS NEVER PROPERLY NOTIFIED OF ANY DELINQUENCY, MAKING THEIR REPORTING BOTH INCOMPLETE AND UNFAIR. 

FURTHERMORE A 90-DAY LATE PAYMENT CAN NOT BE REPORTED WITHOUT PRIOR 30-DAY AND 60-DAY LATE MARKERS THIS IS A XXXX XXXX FORMAT VIOLATION. 

XXXX CONTINUED TO REPORT DEROGATORY INFORMATION AFTER THE ACCOUNT WAS DISPUTED A VIOLATION OF XXXX XXXX AND FCRA REQUIREMENTS. 

XXXX FAILED TO PROVIDE ANY EVIDENCE OF BILLING STATEMENTS, EMAILS, PHONE CALLS, OR LETTERS TO MY CORRECT ADDRESS. 

THE FURNISHING OF THIS DATA WHILE USING INCORRECT CONTACT INFORMATION SHOWS GROSS NEGLIGENCE AND NONCOMPLIANCE WITH FEDERAL DATA FURNISHER STANDARDS. 

I AM DEMANDING THE FOLLOWING : IMMEDIATE DELETION OF ALL XXXX ACCOUNT DATA ( ACCOUNT # XXXX ) FROM MY CREDIT REPORT. 

A FORMAL REINVESTIGATION WITH COPIES OF ALL SUPPORTING DOCUMENTATION XXXX PROVIDED TO VERIFY THIS ACCOUNT. 

A WRITTEN RESPONSE AND UPDATED CREDIT REPORT TO CONFIRM REMOVAL OF THIS FALSE INFORMATION.

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