Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX RE : FORMAL DISPUTE OF INACCURATE CREDIT INFORMATION CONSUMER : XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX To Whom It XXXX Concern : I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to dispute inaccurate and incomplete information contained in my consumer credit report maintained by your company. 
After careful review of my credit report, I have identified the following accounts that contain errors and/or fail to comply with the XXXX XXXX XXXX requirements as mandated by the XXXX XXXX XXXX XXXX XXXX XXXX ) and enforced under 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 
ACCOUNTS IN DISPUTE : XXXX. XXXX XXXXXXXX XXXX Account number : XXXX Date Open : XX/XX/XXXX Date Closed : XX/XX/XXXX ( year not specified ) Status : Cancelled by XXXX This account is disputed pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). The account fails to comply with Metro 2 requirements as it reports an opening date of XX/XX/XXXX, which is chronologically impossible given the reporting date of this information. Additionally, the closure date is incomplete, missing the year designation required by XXXX XXXX Format. This incomplete and inaccurate reporting violates 15 U.S.C. 1681e ( b ). 
XXXX. XXXX Report Account number : XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Date Of Last Payment : XX/XX/XXXX Status : Derogatory Age : 3 Years & 11 Months Highest Balance : {$1000.00} Remarks : Account disputed by consumer, meets FCRA requirements This account is disputed pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). The account contains contradictory information that violates XXXX XXXX Format requirements. Despite being marked as disputed by consumer and meets FCRA requirements, it continues to be reported with a Derogatory status. Furthermore, the reported age of the account ( 3 Years & 11 Months ) is mathematically inconsistent with the open date, violating XXXX XXXX chronological reporting requirements. This inaccurate reporting violates 15 U.S.C. 1681e ( b ). 
XXXX. XXXX XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Date Of Last Payment : XX/XX/XXXX Status : Collection/Chargeoff Remarks : Payment after chargeoff/collections, Paid profit & loss This account is disputed under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). The account contains chronologically impossible information that violates Metro 2 Format requirements. The reported last payment date ( XX/XX/XXXX ) falls after the reported closure date ( XX/XX/XXXX ), which is a logical impossibility. Additionally, the reporting fails to properly code XXXX after chargeoff/collections and Paid profit & loss statuses according to XXXX XXXX XXXX standards. This inaccurate reporting violates 15 U.S.C. 1681e ( b ). 
XXXX. XXXX XXXX Account number : XXXX Date XXXX : XX/XX/XXXX XXXX Closed : XX/XX/XXXX Date Of Last Payment : XX/XX/XXXX XXXX : Collection/Chargeoff Remarks : Charged off as bad debt, purchased by another lender This account is disputed pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). The account fails to comply with XXXX XXXX requirements as it does not properly reflect the current account status after being purchased by another lender. According to XXXX XXXX guidelines, when an account is sold to another lender, the original creditor must report the account as paid or closed rather than charged off. The account is missing required information in XXXX XXXX ( XXXX XXXX ) regarding the purchasing entity. Additionally, there is no verification that proper validation of this debt was provided to me in accordance with 15 U.S.C. 1692g ( b ).

LEGAL BASIS FOR DISPUTE : Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The XXXX XXXX Format created by the XXXX XXXX XXXX XXXX ( XXXX ) establishes the industry standard for credit reporting accuracy, and failure to adhere to these standards constitutes a violation of the FCRA. 
Additionally, XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) requires that when a consumer disputes the completeness or accuracy of any item of information, the consumer reporting agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file. 
In accordance with XXXX XXXX. XXXX ( a ) ( XXXX ), furnishers of information to consumer reporting agencies must provide proper notice before submitting negative information. I have no record of receiving such notices for these accounts. 
REQUEST FOR RELIEF : Pursuant to XXXX U.S.C. XXXX, I hereby request that you : XXXX. XXXX a reasonable reinvestigation of the disputed items. 
XXXX. XXXX all relevant information concerning my dispute to the furnishers of the information. 
XXXX. Remove all inaccurate, incomplete, or unverifiable information from my credit report. 
XXXX. Provide me with the results of your reinvestigation and a free copy of my updated credit report. 
XXXX. Notify all persons who have received my credit report containing the disputed information within the past XXXX months. 
DEMAND FOR DAMAGES : I am entitled to damages under XXXX U.S.C. XXXX for willful noncompliance and XXXX XXXX. XXXX for negligent noncompliance with the FCRA. Multiple accounts were previously disputed and I was informed they were deleted, yet they continue to appear on my credit report. This demonstrates a failure to follow reasonable procedures to assure maximum possible accuracy of the information as required by law. 
I hereby demand compensation in the amount of {$1000.00} per account for damages suffered as a result of these continued violations. This includes accounts that were reported as deleted but continue to appear on my credit report, as well as accounts with pending status incorrectly showing as collections. 
This dispute is submitted in accordance with my rights as a consumer under the FCRA. I expect a response to this dispute within 30 days of receipt, as required by law. 
Please note that this letter is not a refusal to pay, but a formal notice of dispute regarding the accuracy and completeness of the information reported. I reserve all rights under federal and state law. 
Sincerely, XXXX XXXX Enclosures :

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