Consumer complaint received 2025-08-25 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXXnFrom:XXXX XXXXDate of Birth: XXXXnSSN: XXXX XXXX XXXX XXXX, IL XXXXTo:\nTransUnion LLC\nConsumer Dispute Center\XXXX XXXX XXXX PA XXXXRe: Formal Dispute of Inaccurate Accounts on Credit File\nPursuant to 15 U.S.C. 1681i  Fair Credit Reporting Act (FCRA)\nTo Whom It May Concern,\nI am formally disputing the accuracy of several accounts appearing on my TransUnion credit file. Under the FCRA, you are required to ensure all information is 100% accurate, verifiable, and complete. The following accounts contain errors and contradictions. Proof of these inaccuracies is attached.XXXX XXXX XXXX   Account #XXXX   Balance: XXXXnHigh Balance inconsistent with other bureaus.\nDate of Last Activity reported as XXXX (conflicts with other bureau dates).\nDate Reported: XXXX (conflicts with XXXX).\nClosed Date shows XXXX but not reported by others.\nPayment history missing on TU, while other bureaus report late payments.XXXX XXXX  Account #XXXX  BalanceXXXX XXXX\nHigh Balance reported as XXXX while XXXX  shows $XXXX.\nDate of Last Activity reported as XXXX inconsistent with other bureaus.\nCreditor Type listed as Personal Loan Companies, while other bureaus list Bank Credit Cards.\nLast Payment reported as XXXX which does not match XXXXnPayment history not reported on TU, while other bureaus show late history.XXXX XXXX XXXX XXXX XXXX   Account #XXXX   Balance: XXXX\nHigh Balance reported as $XXXX, while XXXX  shows XXXX\nDate of Last Activity reported as XXXX conflicting with other bureaus.\nDate Reported XXXX, inconsistent with XXXX  XXXX.\nLast Payment reported as XXXX but XXXX  shows XXXX\nCreditor Type listed as Bank Credit Cards, while XXXX  lists Miscellaneous Finance.\nPayment history not reported on TU, while others show late marksXXXX XXXX XXXX XXXX   Account XXXX   Balance: XXXX\nHigh Balance reported as XXXX while XXXX  shows XXXX and XXXX  shows XXXX\nDate of Last Activity reported as XXXX conflicting with other bureaus.\nDate Reported XXXX, inconsistent with other bureau dates.\nCreditor Type listed as Finance Collection, while others show Bank Credit Cards or XXXX XXXX XXXX XXXX.\nClosed Date reported as XXXX, missing from other bureaus.\nCredit Limit listed as XXXX, while XXXX  shows XXXX.\n FCRA Demand\nUnder 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation. If you cannot resolve these factual inaccuracies with proper documentation, you must delete these accounts entirely.\nAdditionally, I demand that you provide:\nThe method of verification used for each account listed.\nThe name, title, and contact information of the individual who verified each account.\nConfirmation that these disputes were not processed solely through the automated e-OSCAR system but reviewed by a live investigator.\nAttached are copies of my credit report highlighting these inaccuracies as proof.\nContinuing to report unverifiable or inconsistent information will be considered willful noncompliance under the FCRA and subject to damages under 15 U.S.C. 1681n.\nRequested Action\nConduct a full reinvestigation.\nProvide verification details and documentation.\nPermanently delete these accounts if they cannot be verified with complete accuracy.\nThis is a legal demand, not a request.\nSincerelyXXXX 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