Consumer complaint received 2025-06-28 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:
Subject : FINAL NOTICE Willful Noncompliance by XXXX  FCRA and TILA Violations Immediate Deletion Demanded Subject : FINAL DEMAND TransUnions Willful Violations of the FCRA and TILA Immediate Deletion Required To Whom It May Concern, This letter serves as a final notice and formal dispute regarding TransUnions continued reporting of inaccurate, unverifiable, and contradictory information on my consumer credit report. Despite previous disputes, you have failed to provide proper reinvestigation results or documentation verifying the accuracy of multiple derogatory accounts, in direct violation of federal law.

Your continued noncompliance with the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) demonstrates negligence, and if these issues are not corrected immediately, I will be forced to take further regulatory and legal action. 

DISPUTED ACCOUNTS TRANSUNION XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6900.00} | Past Due : {$6900.00} Credit Limit : {$11000.00} Status : Collection/Chargeoff Issue : TransUnion reports the account as charged-off with a large balance, while XXXX  reports the same account as open with {$0.00} balance. This is a material contradiction that violates your duty to report consistent, verifiable information. 

XXXX Account # : XXXX XXXX XXXX XXXX XXXX  Balance : {$5400.00} | Past Due : {$3900.00} Credit Limit : {$0.00} Status : Collection/Chargeoff Issue : Repetitive CO notations for nearly two years, no payment history updates, and no credit limit listed despite substantial balances. These omissions violate both the FCRA and TILA. 

XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$7600.00} | Credit Limit : {$7000.00} Status : Collection/Chargeoff Issue : While TransUnion shows the correct balance and charge-off status, XXXX  reports completely different information. No reinvestigation summary or documentation has been provided despite the dispute. 

XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX  Balance : {$2500.00} | Credit Limit : {$1900.00} Status : Chargeoff Issue : TransUnion reports the account as charged off with CO notations across 24 monthsthis is repetitive, abusive, and unverifiable without proper documentation. Also, no updated resolution history is shown. 

XXXX XXXX  Account # XXXXXXXX XXXX XXXX Balance : {$4400.00} | Credit Limit : {$3400.00} Status : Collection/Chargeoff Issue : Excessive CO reporting across 24 months without correction or proof of continued obligation. Balance and limit data mismatch with other bureaus. No proper last activity date or verification has been provided. 

LEGAL VIOLATIONS COMMITTED BY TRANSUNION Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy of information reported.

15 U.S.C. 1681i ( a ) Failure to properly reinvestigate disputed items within the 30-day window.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Obligation to delete any unverifiable or inaccurate information after a failed reinvestigation.

15 U.S.C. 1681b ( a ) ( 2 ) No legitimate permissible purpose to continue reporting accounts not legally validated.

15 U.S.C. 1681s-2 ( a ) TransUnion failed to ensure furnishers ( XXXX, XXXX, XXXX XXXX, XXXX ) are reporting consistent, accurate information. 

15 U.S.C. 609 ( a ) ( 1 ) ( A ) & ( a ) ( 2 ) Failure to provide all records used in the verification process, including original contracts or applications.

15 U.S.C. 1681i ( 7 ) Failure to provide a written summary of the reinvestigation upon request.

Public Law 91-508, Title VI, Section 611 Complete disregard for procedural reinvestigation mandates.

FCRA 616 & 617 TransUnion is now liable for willful and negligent noncompliance, subject to actual and statutory damages.

Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq. Omission of account structure, payment terms, credit limits, and accurate status violates TILA disclosure standards.

Regulation Z 12 C.F.R. 1026.7 Lack of consistent credit limit, interest rate, and charge-off terms is noncompliant with mandated disclosures.

Billing and transparency violations Continued CO reporting with no updated terms or legal notice, in violation of fair billing laws.

DEMAND FOR ACTION I hereby demand that TransUnion : Immediately delete all accounts listed above from my credit file due to unverified, inaccurate, and contradictory reporting.

Provide written documentation verifying each account ( including original signed agreements ).

Deliver a full reinvestigation summary, as required by 15 U.S.C. 1681i ( 7 ), within 15 calendar days.

NOTICE OF ESCALATION Failure to comply will result in : A regulatory filing with the Federal Trade Commission ( FTC ) A complaint to my states Attorney General and Department of Financial Services Initiation of a civil claim in federal court for damages under FCRA 616 and 617 You are now fully on notice that continued noncompliance is unacceptable and unlawful. Take immediate corrective action.

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