Consumer complaint received 2025-08-29 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/XXXX To Whom It May Concern, Re : Formal Dispute Account # XXXXXXXX XXXX XXXX XXXX XXXX Balance Reported : {$9400.00} ( Originally {$7000.00} ) I am formally disputing the reporting, balance, and validity of the above-referenced account under my rights pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), and applicable provisions of the XXXX XXXX XXXX. 
This account is being reported with inaccurate, incomplete, and misleading information and therefore violates my rights under federal law. Specifically : 1. Balance Inconsistency & Inflation The account reflects an original balance of {$7000.00} but now shows {$9400.00} without any lawful itemization of principal, interest, fees, or adjustments. Reporting inflated or unverified balances is a direct violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ) which requires furnishers to report accurate information. 
2. Improper Status Reporting The account is marked as Open Deferred until XX/XX/XXXX, yet the payment history shows negative/ND entries and even a 90-day delinquency ( XX/XX/XXXX ). If this loan was in deferment, no delinquency could legally occur. This is materially false reporting, and under FCRA 1681s-2 ( a ) ( 1 ) ( B ), furnishers must not furnish information if they know it is inaccurate.

3. Missing Payment Records The payment history is full of ND ( no data ) designations. This is incomplete reporting and fails the requirement under the FCRA that all reported information must be complete and accurate, not misleading by omission. 
4. Failure of Validation If this debt has been transferred, sold, or is being serviced by any third party, I hereby demand full validation under FDCPA 809 ( 15 U.S.C. 1692g ). This means a complete breakdown of the balance, proof of ownership, copies of the original promissory note, and a chain of assignment if applicable. 
XXXX. XXXX XXXX Protections Under the XXXX XXXX XXXX and XXXX XXXX XXXX requirements, servicers must maintain accurate records of disbursements, deferments, and repayment schedules. The inaccurate reporting of deferment and delinquency conflicts with these requirements. 
DEMAND FOR ACTION Immediately investigate and correct all inaccuracies with the credit bureaus XXXX XXXX XXXX TransUnion ). 
Provide full debt validation and itemization of the alleged {$9400.00} balance, including a breakdown of principal, interest, and fees. 
Remove any and all negative or false reporting ( delinquencies, inflated balance, misleading status ). 
Provide written confirmation of correction within 30 days as required under FCRA 1681i ( a ). 
Failure to comply will leave me no choice but to pursue all available remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General of my state, as well as pursuing civil remedies under FCRA 1681n and 1681o, which allow for statutory damages, punitive damages, and attorneys fees. 
This letter serves as formal notice that I am disputing this account in its entirety. You are now on record and legally obligated to investigate. 
Sincerely, XXXX XXXX

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