Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate and outdated information appearing on my TransUnion credit report under the Fair Credit Reporting Act ( FCRA ). I also wish to note that I was directly impacted by the TransUnion data breach, which compromised personal and financial information. Due to this breach, I have reason to believe that some of the inaccurate reporting on my file may be the result of data mishandling, unauthorized access, or reporting errors stemming from that incident. For this reason, I am requesting a full reinvestigation and correction of the following accounts to ensure compliance with FCRA 602 ( A ), 605B, 607 ( B ), and 611 ( A ). 
XXXX XXXX Account Type : XXXX / Credit Card. Reported Balance : {$1700.00}. Status : Incorrectly showing Charge-Off / Collection. This account continues to be inaccurately reported despite prior disputes. The documentation previously provided by TransUnion and/or XXXX did not include any original signed application, billing statements, or charge-off authorization directly from XXXX XXXX. Under FCRA 611 ( a ) ( 1 ) ( A ), I have the right to a thorough reinvestigation when inaccurate data remains on file. I am now demanding full verification supported by complete original documentation, not automated or third-party e-OSCAR data. TransUnion is required under 609 ( a ) ( 1 ) ( A ) to obtain and provide original records directly from XXXX XXXX  verifying ownership, payment history, and charge-off authorization. If such evidence can not be produced, this account must be deleted immediately under 611 ( a ) ( 5 ) and 602 ( A ). Continuing to report unverifiable or unvalidated data after a known data breach constitutes willful noncompliance with 607 ( B ) and 616 of the FCRA. Please ensure there are no duplicate, re-aged, or reassigned entries under this creditors name. 
XXXX XXXXXXXX XXXX XXXXXXXX Account Type : XXXX XXXX XXXX XXXX  Status : Incorrectly reporting Late Payment. Balance : {$0.00}. This account has always been paid as agreed and was never late. Please update the payment history to accurately reflect Pays As Agreed/ Current Never Late as required under FCRA 602 ( A ) for accuracy and completeness. Any unverifiable or erroneous late payment reporting must be corrected or deleted immediately. 
Department of Education / XXXX Account Type : XXXX XXXX. Status : Reported Late 120 Days. Past Due Amount : {$180.00}. I am disputing the accuracy of this reported delinquency. Please verify the information directly with the original creditor under FCRA 611 ( a ). If the alleged late payment can not be verified through original source documentation, this account must be corrected or deleted in compliance with 611 ( a ) ( 5 ).

Requested Actions : Reinvestigate the three accounts listed above and update them for accuracy and completeness. Update XXXX XXXX XXXX XXXX to reflect Current / Never Late. Verify or remove XXXX XXXX and Department of Education / XXXX  if verification can not be fully substantiated with complete original documentation from the data furnisher. Provide a full method of verification and copies of all records used in your investigation within 30 days as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). Given my documented involvement in the TransUnion data breach, please also conduct a full data integrity review to ensure no inaccurate information remains as a result of that incident. Please confirm the completion of your reinvestigation and provide an updated copy of my credit report reflecting these corrections. 
Sincerely, 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 non-monetary relief