Consumer complaint received 2025-02-07 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: NY

Complaint narrative:
I am submitting this complaint against TRANSUNION regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XXXX I discovered discrepancies in the following account ( XXXX ) : XXXX : # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX : # XXXXXXXX XXXX  XXXX : # XXXX XXXX XXXX # XXXX XXXX. XXXX Date Opened : o TransUnion reports XX/XX/XXXX, while XXXX reports XX/XX/XXXX. The inconsistency in the opening date should be clarified. 
Date Last Active : o TransUnion reports XX/XX/XXXX, while XXXX reports XX/XX/XXXX. This discrepancy needs correction as it impacts the aging of the account. 
________________________________________ XXXX. XXXX - Original Creditor : XXXX XXXX Date Opened : o The account is reported as opened on XX/XX/XXXX by TransUnion. This date seems implausible as it is in the future ( or very recent ). Double-check the accuracy of this date. 
Date Last Active : o The Date Last Active is listed as XX/XX/XXXX, which is also in the future. This could be an error. 
________________________________________ XXXX. XXXXXXXX XXXX - Original Creditor : XXXX XXXX XXXX  Date Last Active : o TransUnion lists the Date Last Active as XX/XX/XXXX, which is in the future. This is likely an error. 
High Credit : o The High Credit is listed as {$1100.00}, but it should be cross-checked with the original creditor 's records to ensure accuracy. 
________________________________________ XXXX. XXXX XXXX Date Opened : o TransUnion reports the account opened on XX/XX/XXXX, while XXXX shows XX/XX/XXXX. The opening date should be consistent. 
High Credit : o TransUnion lists XXXX XXXX as {$370.00}, but XXXX shows {$170.00}. This is a clear inconsistency that should be investigated. 
Date Last Active : o TransUnion reports the Date Last Active as XX/XX/XXXX, but XXXX lists XX/XX/XXXX. These dates should match. 
________________________________________ XXXX. XXXX XXXXXXXX Date Opened : o TransUnion lists the opening date as XX/XX/XXXX, while XXXX and XXXX list XX/XX/XXXX. This inconsistency should be addressed. 
Date Last Active : o TransUnion reports the Date Last Active as XX/XX/XXXX, while XXXX lists XX/XX/XXXX. These dates should align. 
Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of XXXX days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated XXXX  period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

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