Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I the consumer files a dispute against Transunion for the account " XXXX XXXX '' which reports many discrepancies and inaccuracies. this account report different closing dates across each credit agency which is a Violation of the FCRA it's conflicting dates. I've disputed this many times Transunion sent me investigation results with updated date far as date updated : XX/XX/year> which isn't the correct closing date update, each bureau should report the same information if the account is accurately reporting. it's a collection account that's reporting open which is another violation to the FCRA, not to mention it has a reporting balance. I requested method of verification : who was interviewed, name, date and time you spoke, also the number you contacted which verified this alleged debt is indeed XXXX XXXX 's debt. I have not received it I asked to be given this information if it can't be verified and provided to me PLEASE REMOVE IT To Whom It May Concern, I am writing to formally dispute inaccurate and inconsistent information being reported on my credit file regarding a XXXX XXXX collection account. This account is being reported with conflicting data across all three major credit bureaus ( XXXX, XXXX  and TransUnion ), which is a violation of the Fair Credit Reporting Act ( FCRA ). FCRA Violations : XXXX. XXXX XXXX XXXX XXXX ( b ) Failure to maintain accurate and up-to-date information. The closing dates, balance updates, and payment histories differ across XXXX XXXX and TransUnion. XXXX  XXXX XXXX, Transunion XXXX XXXX, XXXX XXXX info XXXX. XXXX lists last update as XX/XX/year>, while others do not show the same, creating confusion and false representation of activity. XXXX. XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) Failure to reinvestigate disputed information within a reasonable time. A remark on XXXX states Consumer disputes this account information, but no reinvestigation appears to have resolved the reporting discrepancies. XXXX. XXXX XXXX XXXX XXXX ( b ) Furnishers of information must correct and update inaccurate information. XXXX XXXX or its XXXXparty agency has failed to ensure that consistent and factual data is reported across all three bureaus. FDCPA Violation ( if XXXX or a XXXXparty is collecting ) : XXXX. XXXX XXXX XXXX XXXX ( XXXX ) False or misleading representations. Reporting conflicting information to the credit bureaus XXXX be considered a deceptive practice, especially if it's affecting my ability to obtain credit. I requested method of verification ( Who did you interview to confirm this account is XXXX XXXX belong to me, what phone number was called, what time and day did you speak to someone ) I have not received such notice. I stated before if this can't be issued to me in writing within XXXX  days remove this Account immediately. Requested Action : I respectfully demand the following actions be taken : XXXX. Immediate investigation and removal or correction of the XXXX XXXX collection account from all credit bureaus if accurate reporting can not be verified and made consistent. XXXX. A detailed explanation of how this account has been verified and what steps have been taken to ensure accurate reporting. XXXX. Written confirmation of the outcome of this dispute within XXXX  days as required by law. Please consider this letter as a formal notice of dispute. If this matter is not resolved promptly, I am prepared to file more complaints with the Consumer Financial Protection Bureau ( CFPB ), FTC, and State Attorney General 's office. 

Sincerely, XXXX 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 non-monetary relief