Consumer complaint received 2025-09-07 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX : XX/XX/XXXXXXXX  SSN ( last XXXX ) : XXXX Email : XXXX Phone : XXXX To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX PA XXXX Date : XX/XX/XXXX Subject : Formal Dispute of Inaccurate, Incomplete, and Misleading Information Under the Fair Credit Reporting Act ( FCRA ) Dear TransUnion, I am formally disputing the inaccurate, inconsistent, and incomplete reporting of the following account on my consumer credit file pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Account in Dispute : Creditor/Collector : XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Disputed Items and Specific Errors 1. Balance Reporting Reported as {$0.00} balance while also labeled as collection/charge-off.

This is contradictory, as no account with a {$0.00} balance should be classified as a collection/charge-off.

Proper status should reflect Closed Paid as Agreed.

2. Number of Months ( Terms ) Reported as 0 months/terms.

This is incomplete and misleading, as all accounts must reflect accurate contractual terms. 

3. High Credit Reported as {$730.00}, but this account has never exceeded the {$500.00} credit limit.

4. Past Due Amount Reports {$0.00} past due while still classifying the account as a collection/charge-off.

If nothing is past due, derogatory classification is inaccurate.

5. Payment Status Listed as Collection/Charge-Off while also showing {$0.00} balance and {$0.00} past due. 
This is materially misleading and inconsistent. 

6. Two-Year Payment History Reported as blank instead of reflecting an accurate payment history.

This omission leaves the file incomplete.

Applicable Law, Guidance, and Case Authority FCRA Accuracy & Reinvestigation Duties 15 U.S.C. 1681e ( b ) : Requires CRAs to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires reinvestigation of disputed items within 30 days.

1681i ( a ) ( 5 ) : Incomplete or unverifiable information must be corrected or deleted.

Case Law Support Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. XXXX ) : CRAs must go beyond superficial inquiries when a consumer disputes. 
Cousin v. TransUnion XXXXorp., 246 F.3d 359 ( 5th Cir. XXXX ) : Misreporting credit limits or balances can constitute willful noncompliance. 
Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. XXXX ) : Misleading reporting is as damaging as false reporting. 

CFPB.gov Disputes Please note that disputes submitted via CFPB.gov are legally equivalent to direct disputes. Under 15 U.S.C. 1681s-2 ( a ) ( 8 ), furnishers and CRAs are required to investigate disputes transmitted by the Consumer Financial Protection Bureau with the same weight and legal obligation as disputes sent directly by the consumer. 

Accordingly, this dispute, whether submitted directly or via CFPB.gov, must be treated and processed under the same standards of accuracy, completeness, and timeliness.

Method of Verification ( MOV ) If you verify this account as accurate after reinvestigation, I am invoking my rights under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) and hereby demand a Method of Verification within 15 days of your reinvestigation completion.

Your response must include : The name, address, and telephone number of each furnisher contacted.

The method used to verify the disputed information.

Copies of all documents, records, or communications relied upon in making your determination.

Requested Action Delete or correct this Capital One account to reflect Closed Paid as Agreed.

If you can not verify with maximum possible accuracy, delete the account under 1681i ( a ) ( 5 ) ( A ).

Provide written confirmation of all corrections or deletions.

Timeframe for Compliance Reinvestigation must be completed within 30 days of your receipt of this letter.

If verified, MOV must be provided within 15 days of reinvestigation completion.

Preservation of Rights This letter serves as formal notice that I am preserving all rights under federal and state law. If these violations continue, I reserve the right to pursue remedies including, but not limited to, complaints with the CFPB, FTC, and State Attorney General, as well as private legal action under 1681n and 1681o of the FCRA for statutory damages, actual damages, attorneys fees, and costs. 

Respectfully, XXXX 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 explanation