Consumer complaint received 2025-04-28 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: MI

Complaint narrative:
I am writing to formally dispute the reporting and management of my account with XXXX XXXX as it currently appears on my credit reports with XXXX XXXX and TransUnion. 

After reviewing my credit files, I have identified serious inaccuracies, inconsistencies, and harmful reporting practices that violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically : Violations Identified : 1. Inconsistent Balance Reporting : {$2900.00} is reported to XXXX XXXX XXXX ; {$2800.00} is reported to TransUnion. 
Under the FCRA, balances must be accurately and consistently reported across consumer reporting agencies. 
2. Inconsistent Last Activity Dates : XXXX XXXX XXXX report XX/XX/year>XXXX  while TransUnion reports XX/XX/scrub>XXXX 
Differing last activity dates artificially manipulate credit scoring models and mislead future creditors. 
3. Conflicting Payment History Reporting : Payment history is not reported uniformly across the bureaus, with multiple NR ( Not Reported ) gaps at TransUnion compared to consistent OK marks elsewhere. 
Payment history must be fully and consistently reported under the FCRA. 
4. Inconsistent Credit Utilization Reporting : Utilization rates are reported at 100 % on some bureaus and 94 % on others, creating misleading impressions of my debt-to-credit ratio. 



Resulting Harm : These violations have caused : Damage to my credit scores, Denial of credit opportunities, Higher interest rates, Emotional distress and reputational harm.

As such, these violations entitle me to seek remedies under 15 U.S.C. 1681n and 1681o for statutory damages, actual damages, punitive damages, and attorneys fees if necessary. 



Formal Demands : 1. Balance Adjustment : I demand that the current outstanding balance of [ {$2900.00} or current amount ] be adjusted to {$0.00} immediately.

2. Retention of Open Account Status : I demand that this credit card account remain open and active with no derogatory reporting, no account closure, and no adverse changes to the accounts good standing after the balance adjustment is made. 
3. Monetary Compensation : I demand monetary compensation of {$5000.00} to resolve the damages sustained as a result of the reporting violations.

4. Written Confirmation : I require written confirmation of the zero balance adjustment, open account status retention, and resolution of my dispute within 15 calendar days of your receipt of this letter. 



If you fail to respond appropriately or correct these violations, I am fully prepared to escalate this matter by : Filing formal complaints with the Federal Trade Commission ( FTC ), and my State Attorney General ; Initiating a lawsuit for statutory, actual, and punitive damages under the FCRA.

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