Consumer complaint received 2025-11-04 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, XXXX XXXX XXXX, FL XXXX DOB : XXXX SSN Last 4 : XXXX Email : XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX RE : SECOND FORMAL DISPUTE DEMAND FOR DELETION ONLY UNDER 15 U.S.C. 1681e ( b ), 1681i, 1681s-2 To TransUnion Dispute Department XXXX This is my second written dispute. You reported these tradelines as verified and updated as of XX/XX/XXXX despite obvious defects. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), you must use reasonable procedures to assure maximum possible accuracy, and under 1681i you must delete information that is inaccurate, incomplete, or can not be verified. Furnishers must report accurately and flag disputes under 1681s-2 ( a ). 
Because the reporting below is inaccurate, internally inconsistent, and/or unverifiable, the only lawful remedy is deletion under 1681i ( a ) ( 5 ) ( A ). I am not authorizing any correction, update, or recoding. Delete each tradeline listed and send me an updated report reflecting removal.

I also require the Method of Verification ( MOV ) mandated by 1681i ( a ) ( 6 ) ( B ) ( iii ) for each itemwho you contacted, when, how, and what documents were actually reviewedsolely for the record. Failure to provide proper MOV confirms that the items can not be verified and must be deleted. 
XXXX ACCOUNT XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account No. : XXXX XXXX XXXX XXXX XXXX  | Balance : {$120.00} Reported : Opened XX/XX/XXXX | Updated XX/XX/XXXX | Pay Status >Collection< | Remarks include disaster coding ( AFFECTD BY XXXX XXXX ; >PLACED FOR COLLECTION< ) Violations/ Defects ( Requiring Deletion Only ) : Long gaps and missing months while still publishing a collection balance and status ; the file lacks a coherent month-to-month record. This is incomplete/misleading reporting in violation of 1681e ( b ) and can not be verified under 1681i.

Disaster/forbearance coding applied without dated, documented basis ; this distorts risk interpretation and is inaccurate under 1681e ( b ). 
Marked verified/updated in XX/XX/XXXX without producing MOV that identifies specific records reviewed. A conclusory verification fails 1681i. 
Remedy Demanded : Delete the XXXX XXXX tradeline pursuant to 1681i ( a ) ( 5 ) ( A ). 
XXXX  ACCOUNT XXXX XXXX XXXX XXXX ( XXXX ) Account No. : XXXXXXXX XXXX XXXX XXXX XXXX | Balance : {$920.00} Reported : Opened XX/XX/XXXX | Updated XX/XX/XXXX | Loan Type FACTORING COMPANY ACCOUNT | Original CreditoXXXX XXXX XXXX XXXX | Pay Status >Collection< | Estimated Removal XX/XX/XXXX Violations / Defects ( Requiring Deletion Only ) : Misclassified as Factoring Company AccountXXXX XXXX  is a debt buyer/collector, not a factoring provider. Misclassification is inaccurate/misleading under 1681e ( b ). 
Large blocks of missing months while showing an active collection and open account coding ; the record is incomplete and unverifiable under 1681i.

No clear DOFD documentation to validate the obsolescence/removal date ; unverifiable under 1681i.

Remedy Demanded : Delete the XXXX XXXX tradeline pursuant to 1681i ( a ) ( 5 ) ( A ). 
XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX  ( XXXX ) Account No. : XXXX XXXX XXXX XXXX Balance : {$8800.00} Reported : Opened XX/XX/XXXX | Updated XX/XX/XXXX | Account Type Open Account | Responsibility Joint Account | Loan Type COLLECTION AGENCY/ATTORNEY | Pay Status >Collection< | Estimated Removal XX/XX/XXXX | Original Creditor : Progress Residential Violations/ Defects ( Requiring Deletion Only ) : Contradictory coding ( Open Account, Joint Account, and Collection Agency/Attorney ) creates a false impression of the tradeline type ; this is inaccurate/misleading under 1681e ( b ).

Incomplete monthly history across multiple years while publishing an active collection balance ; incomplete/unverifiable under 1681i.

No MOV showing tenancy ledger/assignment/DOFD ; verification is unreasonable under 1681i. 
Remedy Demanded : Delete the FCO tradeline pursuant to 1681i ( a ) ( 5 ) ( A ). 
XXXX ACCOUNT XXXX XXXX XXXX XXXX ( Automobile Charge-Off ) Account No. : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Past Due/Balance : {$8100.00} | High Balance : {$35000.00} Reported : Opened XX/XX/XXXX | Last Payment XX/XX/XXXX | Closed XX/XX/XXXX | Updated XX/XX/XXXX | Pay Status >Charge-off< | Remarks UNPAID BALANCE CHARGED OFF | Estimated Removal XX/XX/XXXX History shows repeated C/O tiles and long stretches of ( no balance/past due/amount paid fields ). 
Violations/ Defects ( Requiring Deletion Only ) : Massive gaps and blank fields instead of a coherent post-charge-off history; incomplete/misleading under 1681e ( b ) and unverifiable under 1681i. 
Removal date appears inconsistent with last-payment/DOFD timeline and is not supported by disclosed documentation ; unverifiable under 1681i. 
Reported as verified/updated in XXXX despite the above defects ; unreasonable reinvestigation under 1681i. 
Remedy Demanded : Delete the XXXX XXXX tradeline pursuant to 1681i ( a ) ( 5 ) ( A ). 
XXXX  ACCOUNT XXXX XXXX XXXX XXXX ( Credit Card Charge-Off ) Account No. : XXXXXXXX XXXX XXXX XXXX XXXX  | Balance : {$1900.00} | Credit Limit Hist. : {$15000.00} ( XXXX ) Reported : Opened XX/XX/XXXX | Last Payment XX/XX/XXXX | Closed XX/XX/XXXX | Updated XX/XX/XXXX | Pay Status >Charge-off< | Estimated Removal XX/XX/XXXX Payment grid shows XXXX C/O, and extensive months. High-balance/limit history appears in XXXX despite the file showing Closed XXXX. 
Violations/ Defects ( Requiring Deletion Only ) : Date conflict : an account shown as closed in XXXX can not display new High Balance and Credit Limit history in XXXX. This is facially inaccurate under 1681e ( b ). 
Large spans of blank fields while reporting a charge-off ; incomplete/unverifiable under 1681i.

DOFD and obsolescence not documented ; unverifiable under 1681i. 
Remedy Demanded : Delete the XXXXXXXX XXXX XXXX tradeline pursuant to XXXX ( a ) ( XXXX ) ( A ). 
XXXX MANDATORY ACTIONS 1. Delete all five tradelines listed above under 1681i ( a ) ( 5 ) ( A ).

2. Provide the Method of Verification for each item per 1681i ( a ) ( 6 ) ( B ) ( iii ) ( names, dates, contact method, and specific records reviewed ). MOV is requested for the record ; it does not authorize you to correct or update anything. 
3. Until deletion is completed, ensure each furnisher reports the account as disputed by consumer as required by 1681s-2 ( a ) ( 3 ) and that my file reflects the dispute under 1681i ( c ).

NOTICE OF CFPB FILING & PRESERVATION Because these are repeat disputes and you continued to publish defective data as verified and updated in XX/XX/XXXX, I am submitting this letter and exhibits to the Consumer Financial Protection Bureau. Preserve all notes, e-OSCAR communications, reinvestigation logs, and documents used. 
Complete your reinvestigation within 30 days as required by 1681i ( a ) ( 1 ) ( A ) and mail me : ( a ) written results, ( b ) the updated report showing deletion, and ( c ) the full MOV for each item. 
Sincerely, XXXX XXXX XXXX XXXX : Copies of TransUnion screenshots for each tradeline ; government ID ; proof of address

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