Consumer complaint received 2025-05-19 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: NC

Complaint narrative:
On XXXX XXXX I checked my Transunion credit report and seen incomplete, and unverifiable information being reported on my Transunion credit file, in violation of my rights under federal law. Since XXXX XXXX I have sent four dispute letters to Transunion and have not received proper investigations regarding the items on my credit report. I am deeply concerned that Transunion continues to report erroneous data and has failed to conduct proper reinvestigations as mandated under the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ). These failures have resulted in significant harm to my credit profile and constitute a continued violation of my rights. I hereby demand Transunion take immediate correction and reinvestigation of the following accounts : XXXX XXXX XXXXXXXX Account # XXXX This account is inaccurately reporting 6 late payments across all three credit bureaus. I am disputing the inaccuracy of these derogatory remarks and demand that this account be updated to PAANL ( Paid As Agreed, Never Late ). 
Due to Inaccurate closed date, Last activity and reported dates. 

XXXX. XXXX XXXX XXXX Account # XXXX This account inaccurately reflects two late payments. I am disputing the inaccuracy of this data and demand this tradeline be updated to PAANL Paid As Agreed, Never Late. 
Due Inaccurate closed date, Last activity and reported dates. 

XXXX. XXXX XXXX Account # XXXX This closed account remains on my report with inaccurate information and has not been properly verified during past disputes. I now demand : A full reinvestigation of this account. 
A detailed method of verification, including : The name of the individual contacted, the date and time of the communication, and a copy of the original signed contract bearing my signature. I now demand this account be deleted in its entirety due to your continued inability to verify its accuracy and completeness Due to Inaccurate closed date, Last activity and reported dates. 

XXXX. XXXX XXXX XXXX Account XXXX XXXX This closed account also contains inaccurate reporting and has not been adequately verified. I demand : A complete reinvestigation, the name, date, and time of the person contacted for verification, and a copy of the original signed contract. I now demand this account be deleted in its entirety due to your continued inability to verify its accuracy and completeness Due to Inaccurate closed date, Last activity and reported dates. 

Legal references : 15 USC 1681i ( a ) ( 5 ) Requires correction or deletion of inaccurate or unverifiable data. 
15 USC 1681e ( b ) Ensures duty of maximum accuracy.

15 USC 1681g Entitles me to disclosure of all verification methods and sources. 

Due to the ongoing harm and the negligent failure to comply with federal law, I reserve the right to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or pursuing legal action for willful noncompliance under 15 USC 1681n and 15 USC 1681o , which allow for actual and punitive damages. 
Please complete this reinvestigation and respond to me in writing within 15 calendar days from the date of this letter, as required by law.

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