Consumer complaint received 2025-10-13 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 : Formal Dispute of Inaccurate, Unverified, and Unauthorized InformationAuthority : Fair Credit Reporting Act ( FCRA 602A, 604, 607, 611, 623 ) ; FDCPA 809 ; FACTA 312 Dear TransUnion Dispute Department, This letter serves as a formal legal notice and demand for correction, deletion, and investigation of multiple inaccurate and unauthorized items being reported on my TransUnion credit file. This request is made pursuant to FCRA 611 ( 15 U.S.C. 1681i ), which requires consumer reporting agencies to conduct a thorough reinvestigation of disputed items and remove any that are inaccurate, unverifiable, or obsolete. 
I am asserting my rights under federal consumer protection laws and demanding your immediate compliance. 

1. UNAUTHORIZED HARD INQUIRIES The following hard inquiries were not authorized by me, nor were they made with a permissible purpose under FCRA 604 ( a ). These constitute willful violations of FCRA 604 ( f ) and 616.

Please delete these inquiries immediately unless you can produce valid, written authorization bearing my signature and proof of permissible purpose. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under FCRA 611 ( a ) ( 5 ) ( A ), if these inquiries can not be verified within 30 days, you must permanently delete them and provide written confirmation of removal. 

XXXX. XXXX XXXX XXXX XXXX REPORTING Account : XXXX XXXX XXXX XXXX XXXX XXXXXXXXStatus : 3059 Days Late This reporting is inaccurate and unverifiable. According to my payment records and the FCRAs accuracy requirements under 607 ( b ), no payment was 30 days past due. Additionally, XXXX XXXX has previously reported this same account as current to XXXX  showing an inconsistency between bureaus a violation of FCRA 623 ( a ) ( 1 ) ( A ) ( furnishers must not report information they know or should know is inaccurate ). 
You must immediately verify the accuracy of this reporting with written evidence from XXXX XXXX. If the account can not be verified, the late payment and derogatory notation must be deleted immediately and the account status restored to Pays as agreed / Current. 

XXXX. OUTDATED AND MISREPORTED ACCOUNT STATUS The XXXX account is inaccurately marked as Closed by Credit Grantor.This status harms my credit standing and is inconsistent with my consumer request to close the account voluntarily. This reporting violates FCRA 607 ( b ) ( accuracy ) and FACTA 312 ( furnisher duties ) .Please correct the notation to reflect Closed at Consumers Request. 

4. DEMAND FOR REINVESTIGATION AND COMPLIANCE In accordance with FCRA 611 ( a ) ( 1 ) ( A ), TransUnion must : 1. Conduct a complete reinvestigation of each item listed.

2. Delete or correct any item that can not be verified as accurate, complete, and authorized.

3. Provide written results within 30 days of receipt of this letter.

4. Furnish the name, address, and telephone number of each data furnisher contacted. 
Failure to comply will constitute willful noncompliance under FCRA 616617, entitling me to statutory damages, actual damages, attorneys fees, and potential civil remedies. I am prepared to escalate this matter with Federal Trade Commission ( FTC ), and my State Attorney General should violations persist.

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