Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I hereby dispute each and every derogatory or misleading entry appearing on my TransUnion credit file dated XXXX XX/XX/year> ( enclosed, XXXX pages, highlighted ). The following accounts contain separate and cumulative statutory violations ; consequently, I demand their immediate deletion and a full Method-of-Verification disclosure within the time limits prescribed by federal law. 
________________________________________ A. XXXX Credit Card XXXX ( pp. XXXX ) XXXX. XXXX XXXX / XXXX Contradictions Balance {$520.00} vs. credit limit {$300.00} = 176 % utilizationmathematically impossible without re-aging, violating 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( accuracy ). 
Claims 24 % on-time payments yet simultaneously lists XXXX, XXXX, XXXX latesa logical impossibility that misleads every prospective lender ( 1681e ( b ) maximum possible accuracy ). 
Date of First Delinquency ( DOFD ) omitted, preventing verification of the XXXX obsolescence clock mandated by 15 U.S.C. 1681c ( a ) ( 4 ) and 12 C.F.R. 1022.42 ( a ) ( 1 ). 
Status = Profit & Loss write-off yet dollar amount of charge-off not disclosedincomplete under 1681s-2 ( a ) ( 1 ) ( B ).

2. Statutory Violations 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) TU fails to conduct a reasonable investigation.

1681i ( a ) ( 5 ) ( A ) Must delete item that can not be verified.

1681s-2 ( b ) ( 1 ) ( A ) - ( D ) Furnisher must investigate and correct ; failure = separate violation.

1681n & 1681o Willful / negligent non-compliance exposes TU and furnisher to actual, statutory ( {$1000.00} per violation ), and punitive damages, plus costs and attorneys fees. 
________________________________________ XXXX XXXX Secured Card XXXX ( pp. XXXX ) Entire Payment History block = XXXX XXXX while header claims 100 % payments on time. A null data field can not support a 100 % performance metricinaccurate and misleading, breaching 1681s-2 ( a ) ( 1 ) ( A ).

1681i ( a ) ( 5 ) ( A ) requires deletion if the information can not be verified. 
________________________________________ XXXX XXXX Charge Account XXXX ( pp. XXXX ) Balance {$0.00} yet status = Account closed by credit grantor after only 7 months ; a {$0.00} charge-off is a legal oxymoron and violates 1681s-2 ( a ) ( 3 ).

DOFD missing, breaching 1681c ( a ) ( 4 ) and 12 C.F.R. 1022.42. 
________________________________________ XXXX XXXX XXXX Hard Inquiry XXXX XX/XX/year> ( p. XXXX ) No permissible purpose under 15 U.S.C. 1681b ( a ) ( 3 ) ( A ) ; I never applied for or authorized SKYLA FCU to access my file.

1681i ( a ) ( 1 ) ( A ) investigation required; failure to obtain my signed application mandates deletion under 1681i ( a ) ( 5 ) ( A ) and exposes XXXX and TU to 1681n damages.

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