Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
Re : Dispute of Inaccurate Collection Account Reporting Dear Sir/Madam, I am writing to formally dispute the reporting of the collection account referenced in your recent communication, which is inaccurately reported as an open account with an incorrect balance owed. Under the Fair Credit Reporting Act ( FCRA ), I request the immediate correction of these inaccuracies, as they are in violation of the law.

According to the FCRA ( 15 U.S.C. 1681 et seq. ), you are required to report accurate information to the credit bureaus. The inaccuracies in this account are as follows : Account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The collection account status is incorrectly reported as " OPEN. '' This is inaccurate and must be corrected to reflect the true status of the account.

2. The balance owed is reported inaccurately. You must provide the correct balance owed or delete the account from the credit report.

Under the FCRA, the following provisions apply to this dispute : - 15 U.S.C. 1681i : Requires that upon receiving a dispute, the consumer reporting agency must conduct a reasonable investigation into the disputed information and correct any inaccuracies found.

- 15 U.S.C. 1681e ( b ) : Mandates that consumer reporting agencies maintain reasonable procedures to ensure that the information they report is accurate.

- 15 U.S.C. 1681c ( a ) ( 4 ) : Prohibits the reporting of information regarding a debt that has been charged off or is in dispute.

- 15 U.S.C. 1692e ( 8 ) : Prohibits a debt collector from reporting inaccurate information about a debt to any credit reporting agency.

Additionally, the following provisions in the Fair Debt Collection Practices Act ( FDCPA ) apply : - 15 U.S.C. 1692g ( a ) ( 1 ) : Requires that you provide me with the correct balance owed for the debt.

- 15 U.S.C. 1692e ( 2 ) ( A ) : Prohibits a debt collector from misrepresenting the amount or legal status of any debt.

- 15 U.S.C. 1692e ( 8 ) : Prohibits the reporting of false or misleading information to credit bureaus.

It is my demand that you immediately correct or delete the inaccurate account reporting, and if you can not provide substantiated evidence to back your claims, the entire account must be deleted from my credit report. Failure to comply with these legal requirements will result in further legal action, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing a lawsuit for violation of federal consumer protection laws.

Please note that this is your formal notice of dispute under both the FCRA and FDCPA. I expect written confirmation of your findings and actions within 30 days of receipt of this letter. 
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 explanation