Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : FORMAL DISPUTE Request for Immediate Deletion of Inaccurate Collection Account ( Acct # : XXXX Acct # : XXXX Acct # : XXXX ) Creditor : XXXX/ XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX To Whom It May Concern : I am formally disputing the accuracy and completeness of the XXXX collection account ( Acct # : XXXX Acct # : XXXX Acct # : XXXX ) as reported on my TransUnion credit file. Upon reviewing the information, I have identified material inaccuracies and non-compliance with federal consumer protection laws, namely the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. 
As this account is being reported inaccurately and without the required verifiable documentation, I am demanding its immediate and permanent deletion from my credit profile. 

Identified Issues & FCRA Violations 1. Unverifiable Debt Reporting There is no supporting documentation or contract from the original creditor ( XXXX XXXX XXXX ) to validate this debt. FCRA 1681i ( a ) requires that any disputed information be verified as accurate within 30 days or deleted entirely. Reporting a debt without validation violates my right to accuracy and fairness under the law. 
2. Lack of Complete Payment History or Activity The tradeline is missing all relevant fields such as past due balance, payment history, and actual date of last payment. Reporting only partial and one-sided data presents an incomplete, misleading picture in direct violation of FCRA 1681e ( b ) ( failure to ensure maximum possible accuracy ). 
3. Inflated and Unverified Balance The balance listed is $ XXXXan unusually high and unexplained amount for a collection, especially given there is no interest rate, contract, or breakdown listed. If the debt includes inflated fees, it also violates FDCPA ( 15 U.S. Code 1692f ) for attempting to collect any amount not expressly authorized by the agreement. 
4. Inconsistent Data Reporting Format The tradeline contains fields such as " Collection/Chargeoff '' status but no actual charge-off date, payment history, or activity logs. The " Date Opened '' is listed as XX/XX/XXXX, but the Last Reported date is XX/XX/XXXX, which could falsely imply this is a recent account rather than stale or resolvedthis is a classic case of data aging manipulation, which the FCRA prohibits. 
5. Dispute Not Properly Handled The comment " Account information disputed by consumer, meets FCRA requirements '' is non-substantive. The FCRA requires that disputes are investigated thoroughly and confirmed with evidence. This generic language without documentation is insufficient and deceptive. 

Applicable Laws Violated FCRA 1681e ( b ) : Failure to report information with maximum possible accuracy FCRA 1681i ( a ) : Failure to properly investigate disputes and delete unverifiable information FCRA 1681s-2 ( b ) : Furnisher responsibilities upon dispute FCRA 1681c ( a ) : Prohibition on reporting outdated or misleading accounts FDCPA 1692f : Prohibits collection of amounts not permitted by contract or law Damages & Legal Liability Failure to delete or correct inaccurate information after notice constitutes willful noncompliance under FCRA 1681n, making TransUnion and the furnisher liable for : Statutory damages up to {$1000.00} per violation Actual damages ( including credit harm, denial of credit ) Punitive damages Attorneys fees and court costs Should this dispute not result in immediate deletion, I will proceed with a formal complaint with the CFPB, FTC, and my state Attorney General, and will consult with legal counsel regarding possible litigation for FCRA violations . 

Action Required : Permanently delete the XXXX, XXXX, XXXX XXXX account from my TransUnion & Experian credit file.

Send written confirmation of deletion to my address listed above.

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