Consumer complaint received 2025-10-25 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: GA

Complaint narrative:
Re : URGENT Formal Dispute / Demand to Remove Inaccurate & Fraudulent Information Disputed items : 1 ) Late payment entries on a closed account Creditor : XXXX XXXX Disputed items : 2 ) Late payment entries on a closed account Creditor : XXXX XXXX Account that is not mine / fraudulent Creditor : XXXX  Account that is not mine / fraudulent Creditor : XXXX  Account that is not mine / fraudulent Creditor : XXXX XXXX XXXX XXXX This letter is a formal written dispute under the Fair Credit Reporting Act ( FCRA ). I dispute the accuracy and lawfulness of the items listed above appearing on my TransUnion credit file and demand immediate corrective action. 
The facts are simple and non-negotiable : The late payments reported on the accounts identified above are false. The accounts were closed on or before the date listed above and I did not authorize any activity that would justify the reporting of new late payments. 
The remaining accounts listed above are fraudulent and was not opened by me, authorized by me, nor is it related to my credit history. 
These entries are inaccurate, legally harmful, and must be removed immediately if they can not be verified with clear and competent evidence. 
What I demand you do now : 1.Treat this as my formal dispute and commence a reasonable reinvestigation immediately.

2. Contact the furnisher ( s ) who reported these items and obtain the original documentation they claim supports these accounts and late payment dates.

3. If any furnisher can not produce competent, contemporaneous documentation proving the accuracy of the reporting, you must delete the disputed items from my credit file permanently.

4. If these accounts are the result of identity theft, you must block them from my credit report upon receipt of an Identity Theft Report and any supporting law-enforcement documentation I provide.

5. Provide me, in writing, a clear explanation of the results of your reinvestigation, copies of any documents the furnisher relied upon, the name and contact information of each furnisher you contacted, and a corrected copy of my credit report if deletions or corrections are made.

6. Notify any party that purchased or received my credit file in the past six months ( or two years for employment reports ) of the deletion or correction, as required by law.

Timing and legal notice : Under federal law you are required to complete your reinvestigation within 30 days of receipt of this dispute ( or 45 days if you receive additional relevant documentation ). If you do not remove or correct these inaccurate items, I will pursue all available remedies under the FCRA and other applicable law, including filing complaints with the Consumer Financial Protection Bureau and the Federal Trade Commission and pursuing legal action to protect my rights and credit reputation

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