Consumer complaint received 2025-04-25 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SENT TO ALL THREE CREDIT BUREAUS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX RE : Formal Dispute of Inaccurate Credit Information - Account # XXXX XXXX XXXX  To Whom It May Concern : I am writing to formally dispute inaccurate information that appears on my credit report regarding an account with XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). This account contains multiple serious violations of the Fair Credit Reporting Act ( FCRA ) and fails to comply with the XXXX XXXX Consumer Reporting Resource Guide ( CRRG ) standards, warranting its immediate removal from my credit report. 

XXXX XXXX  Specific Violations and Inaccuracies XXXX XXXX XXXX Inconsistent Reporting Across Bureaus ( FCRA XXXXection 623 ( a ) ( 2 ) Violation ) XXXX XXXX  My credit reports show drastically different " Last Reported '' dates : XX/XX/XXXX for XXXX versus XX/XX/XXXX for Equifax. This inconsistency violates XXXX XXXX CRRG standards requiring uniform reporting across all bureaus. 

XXXX. XXXX XXXX  Contradictory Account Status Information ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The account is simultaneously reported as " Closed '' with a {$0.00} balance while also being reported as " 90 days past due. '' This creates a logical impossibility that violates the XXXX XXXX Format requirement for consistent status reporting. 

XXXX XXXX XXXX  Improper Investigation Procedures ( FCRA Section 611 ( a ) ( 1 ) Violation ) XXXX XXXX My report indicates " CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS '' alongside data from XXXX, which exceeds the mandated XXXX investigation timeframe required by law. 

XXXX XXXX XXXX  Possible Re-aging of Debt ( FCRA Section 623 ( a ) ( XXXX ) Violation ) XXXX XXXX  The significant discrepancy between reported dates ( XXXX XXXX XXXX  ) suggests potential illegal re-aging of this account. 

XXXX XXXX XXXX  Payment History Reporting Errors XXXX XXXX  The " Date of Last Payment '' shows inconsistently as XX/XX/XXXX for XXXX but XX/XX/XXXX for Equifax, creating an inaccurate payment history. 

XXXX XXXX  Request for Action Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information reported on my credit history. Given the multiple violations detailed above, I formally request : XXXX. Complete removal of this account from my credit reports at all three bureaus XXXX. Confirmation in writing when this action has been completed XXXX. A copy of my updated credit report showing the removal Please note that continuation of reporting this account with these inconsistencies would constitute knowing violations of the FCRA. I expect this matter to be resolved within 30 days as required by law. 

XXXX XXXX  Legal Considerations The violations described constitute serious non-compliance with both the FCRA and XXXX XXXX Format requirements. If this matter is not properly resolved, I reserve the right to pursue further action as allowed under the FCRA, including potential claims for damages. 

I appreciate your prompt attention to this matter and look forward to your written confirmation that this account has been removed from my credit reports. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Attachments : XXXX XXXX XXXX Copy of relevant pages from credit reports showing inconsistencies- Personal identification information ( redacted )

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