Consumer complaint received 2025-07-29 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: TX

Complaint narrative:
Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Credit Reporting and Demand for Investigation and Deletion Account Number : Account Number Ending in XXXX To Whom It May Concern, I am writing to formally dispute the inaccurate and unverifiable information reported on my credit file regarding the above-referenced account with XXXXXXXX XXXX XXXX  XXXX XXXX, as reported to Consumer Reporting Agency . The reporting of this account violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX standards, and other applicable regulations. I demand a thorough investigation, correction or permanent deletion of the inaccurate information, and compensation for the damages caused by these violations. I am exercising my rights under 15 U.S.C. 1681s-2 ( b ) and other applicable laws, and I reserve my rights without prejudice under UCC XXXX XXXX 
Details of Inaccuracies and Violations The credit report lists the account as XXXX  days past due as of XX/XX/XXXX, with a past due amount of {$49000.00} and a last reported date of XX/XX/XXXX. This reporting is inaccurate and non-compliant for the following reasons : Failure to Report Progressive Delinquency ( XXXX XXXX and FCRA Violation ) The account is reported as XXXX  days past due without any prior reporting of XXXX, XXXX, XXXX, or XXXX  days late, as required by XXXX XXXX standards and FCRA 1681e ( b ). XXXX XXXX guidelines mandate that furnishers accurately report the progression of delinquency to reflect the true status of the account. Skipping these intermediate stages constitutes a material inaccuracy, rendering the reporting unverifiable and misleading. This violates 15 U.S.C. 1681e ( b ), which requires reasonable procedures to ensure maximum possible accuracy. 
Case Law : In XXXX XXXX XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held that furnishers must conduct reasonable investigations and correct inaccurate reporting, including improper delinquency statuses. 
Incorrect Date of First Delinquency ( XXXX  ) The reported XXXX  is either missing or incorrect, violating 15 U.S.C. 1681c ( g ). The FCRA requires that the DOFD be accurately reported to calculate the obsolescence period for negative information. Without a correct XXXX, the reporting of a XXXX delinquency is unverifiable and must be deleted. 
XXXX XXXX : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) emphasized that furnishers must provide accurate XXXX  to comply with FCRA requirements. 
Failure to Provide Notice of Negative Information Under 15 U.S.C. 1681s-2 ( a ) ( XXXX ), furnishers are required to provide notice to the consumer before reporting negative information, such as late payments or delinquencies. I received no such notice from XXXXXXXX XXXX XXXXXXXX XXXX XXXX, rendering the reporting of this delinquency unlawful. 
Non-Compliance with Payment Timing Requirements Pursuant to 15 U.S.C. 1666b and 12 CFR 1026.13, creditors must deliver billing statements at least XXXX  days before the payment due date and treat payments received by XXXX XXXX. on the due date as timely. The reported late payments fail to account for whether these procedural requirements were met. Without evidence of compliance, the reported delinquencies are invalid. 
Lack of Original Documentation and Verification Under 15 U.S.C. 1681s-2 ( b ), furnishers must conduct a reasonable investigation and provide original documentation to verify disputed information. Federal Rule of Evidence XXXX ( the Best Evidence Rule ) requires original documents to substantiate claims, such as late payments. The XXXX  systems automated verification process does not satisfy this requirement, as it lacks substantive review of original records. I have not received a proper method of verification as required by 15 U.S.C. 1681i ( a ) ( XXXX ). 
Case Law XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) established that automated verification without substantive investigation violates FCRA requirements. 
Potential Wire Fraud Through Misleading Electronic Communication The transmission of inaccurate and unverifiable data through electronic systems, such as XXXX, constitutes misleading communication. Under 18 U.S.C. 1343, transmitting false or misleading information electronically with intent to harm may constitute wire fraud. The reporting of a XXXX delinquency without proper verification or documentation raises serious concerns about the integrity of the data furnished. 
FDCPA Violations If XXXXXXXX XXXX XXXX  XXXX XXXX or its agents are acting as debt collectors, the reporting of inaccurate information violates FDCPA 1692e, which prohibits false or misleading representations in connection with debt collection. The failure to validate the debt upon dispute also violates FDCPA 1692g ( b ). 
Demands XXXX on the above violations, I demand the following : XXXX XXXX : XXXX a thorough, non-automated investigation of the account, including review of all original documentation ( e.g., payment records, billing statements, and contracts ), as required by 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 1681i ( a ). 
Permanent Deletion : Delete the inaccurate XXXX late payment and any related negative information from my credit file, as it can not be verified with original documentation. 
Method of Verification : Provide a detailed method of verification, including copies of all documents used to verify the account, as required by 15 U.S.C. 1681i ( a ) ( XXXX ). 
Compensation for Damages : Compensate me for the financial and emotional harm caused by the inaccurate reporting, including but not limited to credit denials, higher interest rates, and distress, pursuant to 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ). 
Cease and Desist Reporting : Cease reporting any unverified or inaccurate information to any consumer reporting agency. 
Supporting Evidence The payment history provided does not show a progression of XXXX, XXXX, XXXX, or XXXX  days late, only jumping to XXXX  days, which is non-compliant with XXXX XXXX standards. 
The last payment was reported as XX/XX/XXXX, yet the account is listed as XXXX  days past due as of XX/XX/XXXX, which is inconsistent and unverifiable without original records. 
No notice of negative information was provided, violating 15 U.S.C. 1681s-2 ( a ) ( XXXX ). 
Legal Consequences of Non-Compliance Failure to comply with this dispute within 30 days, as required by 15 U.S.C. 1681i ( a ) ( XXXX ), will result in further legal action. I am entitled to actual, statutory, and punitive damages for willful or negligent violations of the FCRA and FDCPA, as well as attorneys fees and costs under 15 U.S.C. 1681n and 1681o. Additionally, continued reporting of unverified information may constitute further violations, including potential wire fraud under 18 U.S.C. 1343. 
Reservation of Rights I reserve all rights under XXXX XXXX, and this dispute is submitted without prejudice. I expect a response within XXXX  days, including confirmation of deletion, a detailed method of verification, and a proposal for compensation.

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