Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to dispute several inaccurate and inconsistent items appearing on my credit report. I have recently received a current copy of my report and, after thorough review, it is clear that the following accounts are being reported inaccurately or inconsistently between Experian, Equifax, and TransUnion. This is in violation of the Fair Credit Reporting Act ( FCRA ), which mandates maximum possible accuracy of consumer credit information.

Additionally, these discrepancies violate uniform standards required by the Metro 2 reporting format, and I am formally requesting reinvestigation and immediate correction. The following FCRA sections apply to this dispute : 1. Accuracy of Information 15 U.S.C. 1681e ( b ) 2. Reinvestigation of Disputed Information 15 U.S.C. 1681i ( a ) 3. Duty of Furnishers to Provide Accurate Information 15 U.S.C. 1681s-2 ( a ) 4. Duty to Correct and Update Information 15 U.S.C. 1681s-2 ( a ) ( 2 ) 5. Prohibition Against Reporting After Notice of Dispute 15 U.S.C. 1681s-2 ( a ) ( 3 ) 6. Dispute Investigation Timeframe 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) 7. Notification of Results of Reinvestigation 15 U.S.C. 1681i ( a ) ( 6 ) 8. Description of Reinvestigation Procedure 15 U.S.C. 1681i ( a ) ( 7 ) 9. Consumers Right to File Dispute 15 U.S.C. 1681g ( c ) 10. Duty to Delete Inaccurate, Incomplete, or Unverifiable Information 15 U.S.C. 1681i ( a ) ( 5 ) 11. Obligation to Disclose File Contents to Consumer 15 U.S.C. 1681g ( a ) 12. Right to Obtain a Free Annual Report 15 U.S.C. 1681j 13. Requirement for Summary of Consumer Rights 15 U.S.C. 1681g ( c ) ( 1 ) ( B ) ( ii ) 14. Obligation to Provide Consumer with Credit Score 15 U.S.C. 1681g ( f ) 15. Penalties for Noncompliance 15 U.S.C. 1681n and 1681o A detailed summary of inconsistencies in the following accounts is enclosed ( includinXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  etc. ), including account numbers, dates, past due amounts, and last activity. These accounts show differences in open dates, reported balances, and payment status across the three major credit bureaus. 

Furthermore, for the account listed as XXXX XXXX ( Account XXXX XXXXXXXX ), I do not recognize this debt. I am requesting validation of this account in the form of a signed contract or written agreement. If such documentation can not be provided or the account is found unverifiable, I request that the item be permanently deleted from my credit file in accordance with FCRA guidelines. 

As required by federal law, you have 30 days to complete this investigation. I also request a full explanation of the procedures used to determine the accuracy and completeness of this information to be provided within 15 days after your investigation is concluded. 

Please confirm receipt of this letter and provide me with a response in writing.

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