Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Subject : Formal Dispute of Inaccurate Account Reporting XXXX XXXX XXXX XXXX XXXX : Formal Dispute of Account Information Reported by XXXX XXXX XXXX XXXX Dear TransUnion Dispute Department, I am writing to formally dispute multiple inaccuracies related to the XXXX XXXX XXXX XXXX account listed on my credit report. The information currently being reported is factually inconsistent, misleading, and potentially in violation of federal credit reporting laws. 



Summary of Discrepancies : XXXX. Conflicting Status Descriptions : The account is labeled as Collections/Charge-Off. These are XXXX different statuses, and it is misleading to list both. 

If the account is in collections, it should be clearly labeled as such. If it's charged off, then it must reflect that status consistently across all report sections. 

XXXX. Inaccurate Payment Reporting : The report shows that 30 % of payments were made on time, yet I have never made any payments on this account. 

The last payment date is listed as XX/XX/year>, while the payment chart indicates the last activity was in XX/XX/year> a direct contradiction. 

XXXX. Account Status Misclassification : The account is listed as open, which is inaccurate. Charge-off and collections accounts must be reported as closed because they are no longer active trade lines. 

XXXX. Remarks and IRS Reporting Requirements : Remarks indicate a Profit and Loss Write-Off. Under the IRS code, such a write-off typically triggers issuance of a XXXX Cancellation of Debt form, which I have not received. 

XXXX. Inaccurate XXXX XXXX : The report lists XXXX XXXX Days Late as XXXX, yet this does not align with the actual delinquency history in the payment chart provided. 
XXXX XXXX XXXX : This account is only reporting to Transunion and Experian but not to Equifax, actually it was disputed and removed from Equifax, suggesting possible inaccuracies and discrepancies. 
Legal References : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S.C. 1681i ( a ) Inaccurate, incomplete, or unverifiable information must be corrected or removed within 30 days of a dispute.

15 U.S.C. 1681s-2 ( a ) Data furnishers ( like XXXX XXXX XXXX XXXX must not report information they know or reasonably should know is inaccurate.

15 U.S.C. 1681e ( b ) Credit bureaus must ensure the maximum possible accuracy of the information reported.

Fair Debt Collection Practices Act ( FDCPA ) Violations : 15 U.S.C. 1692e ( 8 ) Debt collectors can not communicate false credit information, including failing to communicate that a debt is disputed.

15 U.S.C. 1692f Prohibits unfair or unconscionable means to collect or report debt.

Regulation F ( 12 CFR Part 1006 ) : Enforces accuracy and integrity standards in debt collection.

Requires debt collectors to cease collection and correct errors when consumers dispute the information. 

Any inconsistencies, such as misreported statuses, false payment history, or contradictory delinquency metrics, may trigger compliance failures under Regulation F.

Requested Action : I request that the credit bureau : Launch a reinvestigation into this account per FCRA XXXX ( a ), Remove or correct all inaccurate, misleading, or unverifiable data listed under XXXX XXXX XXXX XXXX, Provide written confirmation of your findings, and Send me a copy of all information XXXX XXXX XXXX XXXX provided during your reinvestigation. 



This letter serves as a formal notice that I am disputing the legitimacy and accuracy of the reporting, and I request resolution within XXXX calendar days as required by federal law. 



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