Consumer complaint received 2025-08-05 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: NY

Complaint narrative:
To Whom It May Concern : This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., 12 U.S.C., and applicable Florida consumer protection laws. I am formally requesting that my dispute be reviewed by a human investigatornot an automated systemas mandated by federal law. 
Upon reviewing my TransUnion credit report dated XX/XX/XXXX, I have found inaccurate and unverifiable information which must be corrected immediately. 

XXXX. Inaccurate Accounts to Be Deleted : XXXX ( Account Opened XX/XX/XXXX ) o Currently listed as 90-119 Days Late with a past due amount of {$120.00}. 
o This account is being reported with derogatory, incomplete, and unverifiable information. 
o Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if this account can not be fully verified for accuracy, it must be permanently deleted from my credit file. 
XXXX ( Account Opened XX/XX/XXXX ) o Reporting as Charge-off, past due {$1200.00}, with notations Profit and loss write-off and Subscriber disagrees. 
o This reporting is inaccurate, outdated, and harmful. 
o Under 15 U.S.C. 1681s-2 ( b ), unverifiable or incorrect information must be deleted.

2. Correction of Personal Identifiers : Legal Name Correction : My full legal name is XXXX XXXX XXXX, as shown on my Social Security Card. 
The following variations must be permanently deleted from my file : XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX As required under 15 U.S.C. 1681e ( b ), TransUnion is responsible for maintaining accurate identifiers. 
Address Correction : My current mailing address is : XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX, NY XXXX My official legal address, as reflected on my drivers license, is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX All other previously reported addresses, including : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Must be immediately deleted to ensure accurate reporting. 

Legal Authority & My Rights : 15 U.S.C. 1681i ( a ) Mandates a thorough reinvestigation within 30 days of a consumer dispute.

15 U.S.C. 1681e ( b ) Requires TransUnion to maintain accurate records.

15 U.S.C. 1681s-2 ( b ) Obligates furnishers to verify information upon dispute.

12 U.S.C. 5531, 5536 Prohibits unfair, deceptive, or abusive acts and practices ( UDAAP ).

Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ), Fla. Stat. 501.201-213 Protects me against inaccurate and misleading reporting practices.

Demand for Immediate Action : I am demanding that TransUnion : 1. Permanently delete the XXXX and XXXX accounts as they are unverifiable and inaccurate.

2. Remove all name variations and ensure my report only reflects my legal name : XXXX XXXX XXXX. 
XXXX. Permanently delete all addresses except : o Legal Address ( on drivers license ) : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX o Mailing Address ( all correspondence to be sent here ) : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX, XXXX, NY XXXX XXXX. Provide me with an updated credit report reflecting these corrections within 30 days. 
Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Florida Attorney General, and the Federal Trade Commission ( FTC ), along with legal action for willful non-compliance. 
This letter serves as a formal demand for manual human review as stipulated by 15 USC 1681i ( a ) ( 4 ).

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