Consumer complaint received 2025-08-10 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX XXXX : XX/XX/XXXX * * [ Date ] * * XX/XX/XXXX * * TO : * * XXXX. * * Consumer Financial Protection Bureau ( CFPB ) * * Online : [ XXXX ] ( https : //www.cfpb.gov/complaint ) Mail : CFPB, P.O. XXXX XXXX, Iowa XXXX, IA XXXX XXXX. * * Equifax * * P.O. Box XXXX, XXXX, GA XXXX XXXX. * * Experian * * P.O. XXXX XXXX, XXXX, TX XXXX XXXX. * * TransUnion * * P.O. XXXX XXXX, XXXX, PA XXXX -- - # # # * * Formal Demand for Deletion of Inaccurate Accounts & Cessation of Illegal Practices * * * * Re : * * Violations of FCRA, FDCPA, XXXX, XXXX XXXX XXXX XXXX, and CFPB XXXX XXXX I am writing to formally dispute * * XXXX inaccurate closed accounts * * ( listed below ) and the illegal collection activities by XXXX XXXX XXXX. These accounts : - Contain * * material inaccuracies * * ( false late payments, duplicate reporting, incorrect statuses ). 
- Violate * * XXXX XXXX coding standards * * ( XXXX XXXX ). 
- Were * * reported without my consent or knowledge * *, violating federal and state privacy laws. 
- Have caused * * financial hardship * *, discrimination, and emotional distress. 

# # # # * * Demands XXXX XXXX * * : XXXX. * * XXXX deletion * * of all disputed accounts from all credit files. 
XXXX. * * XXXX of third-party harassment * * ( calls to my employer/family ). 
XXXX. * * Audit of systemic reporting errors * * per CFPB XXXX XXXX. 

-- - # # # * * Disputed Accounts & Legal Violations * * | Account Name | Reason for Dispute | Law Violated | | -- -- -- -- -- -- -- -- -- -- -- -| -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- | | * * XXXX XXXX XXXX * * | - {$580.00} collection * despite disputes in progress * ( XXXX XXXX reports ) .<br>- Harassment via third-party contacts. | * * FDCPA XXXX ( c ), Texas XXXX. Code XXXX * * | | * * FETTIFFIT/WEB * * | Closed XX/XX/XXXX, but reports XXXX " missed payments '' * while closed *. | * * FCRA XXXX ( c ), XXXX XXXX Rule XXXX * * | | * * DISCOVERCARD * * | Duplicate reporting ( as " XXXX XXXX '' and " XXXX '' ). | * * XXXX XXXX Rule XXXX ( unique identifiers ) * * | | * * KIKOFF * * | Listed as " KIKOFF '' and " KIKOFF LEND '' same creditor, duplicate tradelines. | * * FCRA XXXX ( a ) ( XXXX ) * * | | * * COASTCOMBNK * * | XXXX " currently late '' despite being closed XX/XX/XXXX. | * * FCRA XXXX ( c ) * * | | * * SELFINC/LEAD * * | Mismatched naming ( " SELF/LEAD '' vs " SELFINC/LEAD '' ) inflating missed payments. | * * CFPB XXXX XXXX XXXX * * | * ( Full list attached ) * -- - # # # * * XXXX Grounds for Deletion * * XXXX. * * FCRA XXXX ( a ) ( XXXX ) ( A ) * * : XXXX must reinvestigate disputed items within 30 days. 
XXXX. * * FCRA XXXX ( b ) ( XXXX ) ( D ) * * : Data furnishers must report accurately per XXXX XXXX standards. 
XXXX. * * XXXX XXXX XXXX XXXX * * : Prohibits debt collector harassment ( third-party contact ). 
XXXX. * * ECOA Regulation B XXXX * * : Prohibits credit discrimination based on race. 
XXXX. * * CFPB XXXX * * : Unfair practices ( reporting unverified accounts ) violate XXXX XXXX. XXXX. 

* * Systemic Discrimination Evidence * * : - Accounts * * wrongfully reported * * despite on-time payments ( e.g., XXXX XXXX : " currently on-time '' but flagged for XXXX missed payments ). 
- * * Duplicate tradelines * * targeting minority communities ( per CFPBs * XXXX report on credit invisibility * ). 
- * * Obsolete accounts * * ( e.g., XXXX TEACHERS XXXX closed XXXX ) still suppressing scores violating * * FCRA XXXX ( c ) * * ( XXXX limit ). 

-- - # # # * * Actions Required * * XXXX. * * Credit Bureaus * * : - Delete disputed accounts using * * ACDV codes * * : - * * XXXX XXXX * * ( Not XXXX ) for duplicates. 
- * * XXXX XXXX * * ( Obsolete ) for accounts XXXX years old. 
- Provide * * method of transmission logs * * proving XXXX XXXX compliance ( FCRA XXXX ( a ) ( XXXX ) ). 

XXXX. * * CFPB * * : - Investigate Equifax, TransUnion, and Experian for : - * * Pattern of inaccuracies * * in low-income communities ( ECOA ). 
- * * Failure to reinvestigate * * disputes ( CFPB XXXX XXXX XXXX ). 

XXXX. * * XXXX XXXX * * : - * * Cease all collection activities * * and third-party contacts. 
- * * Retract fraudulent accounts * * per FCRA XXXX ( c ). 

-- - * * Attached * * : - Copies of credit reports ( XX/XX/XXXX ) with disputed accounts highlighted. 
- Evidence of third-party harassment ( call logs, witness statements ). 

I demand resolution within * * 30 days * *. Failure to comply will escalate to : - Texas Attorney General ( XXXX XXXX XXXX ). 
- FTC complaint. 
- Civil action under * * Texas XXXX XXXX XXXX XXXX XXXX * * ( up to $ XXXX in damages ). 

Sincerely, * * XXXX XXXX * * " I demand deletion of XXXX inaccurately reported closed accounts and cessation of illegal collection harassment. The credit bureaus violated * * FCRA XXXX ( a ) * * by failing to correct errors within 30 days of my disputes ( certified mail sent XX/XX/XXXX ). XXXX XXXX violated * * FDCPA XXXX ( c ) * * by contacting third parties and * * FCRA XXXX * * by reporting unverified debts. This systemic abuse constitutes credit discrimination under * * ECOA Regulation B XXXX * *. '' -- - # # # Step XXXX : * * Simultaneous Dispute to All Three Bureaus * * Send this * * certified mail * * letter to each bureau ( addresses below ) : * * [ Your Letterhead ] * * XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX SSN : XXXX | XXXX : XX/XX/XXXX XX/XX/XXXX * * Equifax XXXX * P.O. Box XXXX, XXXX, GA XXXX * * Experian * * P.O. XXXX XXXX, XXXX, TX XXXX * * TransUnion * * P.O. XXXX XXXX, XXXX, PA XXXX * * Subject : URGENT DISPUTE DEMAND UNDER FCRA XXXX & XXXX XXXX XXXX XXXX * * * * Re : Dispute of Inaccurate Accounts ( Certified Mail Tracking # ________ ) * * I formally dispute the following accounts as * * inaccurate, obsolete, and unlawfully reported * * : XXXX. * * XXXX XXXX XXXX * * ( Collection, {$580.00} ) - * Violation : * Reporting disputed debt despite ongoing investigation ( CFPB Case # ________ ). 
XXXX. * * DISCOVERCARD * * / * * XXXX CARD * * ( Duplicates ) - * Violation : * * * XXXX XXXX Rule XXXX * * ( non-unique identifiers inflating missed payments ). 
XXXX. * * KIKOFF * * / * * KIKOFF LEND * * ( Duplicates ) - * Violation : * * * FCRA XXXX ( c ) * * ( reporting closed accounts as " late '' ). 
XXXX. * * COASTCOMBNK * * - * Violation : * Marked " currently late '' though closed XX/XX/XXXX ( * * FCRA XXXX ( a ) ( XXXX ) * * ). 
* ( Full list attached ) * * * Legal Demands : * * - * * Delete all accounts immediately * * using XXXX codes : * * XXXX * * ( Not XXXX ) or * * XXXX * * ( Obsolete ). 
- * * XXXX XXXX XXXX compliance * * for Fields XXXX ( Account Status ) and XXXX ( Payment History ) per * * XXXX Guidelines * *. 
- * * Cease reporting * * these accounts under * * FCRA XXXX ( c ) * *. 

* * Failure to comply within 30 days * * will result in : - CFPB escalation ( Case # ________ ). 
- Lawsuit under * * Texas XXXX XXXX XXXX XXXX XXXX * * ( damages up to $ XXXX per violation ). 

* * Attached : * * - Copy of drivers license, XXXX card - Highlighted credit reports ( XX/XX/XXXX ) 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