Consumer complaint received 2025-07-21 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : * -- XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Final Demand for Verification, Flow Sheet, and XXXX for Inaccurate Accounts To Whom It May Concern, This is a formal dispute and legal demand under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) regarding inaccurate and unverified accounts reporting on my TransUnion credit report. 

Accounts in Dispute : XXXX  XXXX Acct # : XXXX Late Payment {$510.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Late Payment {$3900.00} XXXX Acct # : XXXX Late Payment {$1200.00} XXXX XXXX Acct # : XXXX Late Payment {$0.00} XXXX XXXX Acct # : XXXX Charge-off {$4600.00} XXXX Acct # : XXXX Charge-off {$1500.00} As required by law, I am demanding the immediate reinvestigation and verification of these accounts. I do not authorize e-Oscar or automated third-party systems. You are legally required to conduct a reasonable and manual investigation, and respond accordingly under FCRA regulations. 

The following items are legally required from you : The first and last name, job title, and direct contact info of the individual ( XXXX ) who verified each item. 
A flow sheet showing step-by-step how the verification was conducted. 
A copy of the original signed contract for each account. 
A complete payment history from the original creditor. 
A copy of the XXXX XXXX of XXXX form for any account listed as a charge-off. 
Education on XXXX Compliance : If XXXX XXXX XXXX XXXX truly charged off the debts and reported a cancellation of more than {$600.00}, IRS regulations require that XXXX issue a XXXX form to both the consumer and the IRS. If I was never issued a XXXX, then the debt was not canceled, and you're reporting false charge-off data which is both a violation of FCRA and IRS code XXXX 

You can not have it both ways : If the account is canceled, where is the XXXX? 
If its not canceled, then prove it with legal documentation. 

Not Acceptable : A letter stating Verified without documentation is not verification. 
Previously verified or meets FCRA guidelines is not compliance. 
e-Oscar is a computer program, not a legal method of verification. 
Legal Consequences : If you can not provide all documents listed above within 30 days, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you must delete each disputed account from my credit report immediately. 

Failure to comply will result in : A formal complaint with the Consumer Financial Protection Bureau ( CFPB ) A report to the Federal Trade Commission ( FTC ) Contact with the Illinois Attorney Generals Office And civil legal action for negligent and willful noncompliance with federal law This letter is being recorded and retained for use in any legal proceedings necessary to protect my rights as a consumer. 

Sincerely, XXXX XXXX XXXX : * -- XXXX XXXX : XX/XX/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