Consumer complaint received 2025-05-09 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX am filing this formal complaint against TransUnion LLC for willfully and negligently violating multiple provisions of the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seq.\n\nDespite previous disputes and notices, TransUnion continues to report inaccurate, incomplete, and outdated information on my consumer credit file. This includes, but is not limited toXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX days \nThis account is incomplete and inaccurate. I was never late and canceled this service well before any late payment was ever alleged. I demand proof from XXXX and Transunion. \n\n2.) XXXX XXXX XXXX XXXX XXXX XXXXays late XXXX XXXX XXXX days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX days late XXXX XXXX XXXX days late \nThis account is reporting late payments and as a charge off. This is incorrect and incomplete. How are you identifying this information. I demand XXXX XXXX send a billing history as well as Transunion. Delete this account from my consumer report. \n\n3.) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX days late \nI was never late. I demand proof from XXXX XXXX  and Transunion. XXXX XXXX XXXX XXXXhis account is due to identity theft. By state and federal laws you have to exclude this account from my consumer file. This is a XXXX fine that I am legally able to pursue. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX days late \nI was never late. I demand proof of this allege late payment. XXXX XXXX XXXX XXXX XXXXThis is a fraud account. I have never had an account with this company or have received any validation in the mail. Transunion failed to provide me with disclosures required by federal consumer laws. Delete this account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  days late \n\nThis account is reporting several late payments that is incomplete and incorrect. You have failed in multiple occasions to send required validation to me as the consumer to let me know the steps of your investigation. You provided none. Delete this account or send me required billing history so I may verify accuracy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX days late \n\nI was never late on these allege dates. I demand Transunion do as required and provide me with validation you did a reasonable investigation. This account is also reporting as a charge off this is also incorrect. This account is incomplete. Delete this account immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX days late \nThis account does not include complete information to identify this account. This make its incomplete. I was never late with these payment. Delete this account immediately. I will give you XXXX  days to provide me with the billing records. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe \nThese late payments are inconsistent. It is no legal way Transunion verified any of this account information. Delete this account immediately. \n\nI submitted proper disputes along with supporting documentation and identification. TransUnion has failed to conduct a reasonable reinvestigation, has failed to delete or correct inaccurate information, and has continued to furnish harmful data to third parties. These acts violate my rights under:\n\t\tFCRA  1681i(a)  Failure to conduct a reasonable reinvestigation;\n\t\tFCRA  1681e(b)  Failure to follow reasonable procedures to assure maximum possible accuracy;\n\t\tFCRA  1681g  Failure to provide full disclosure of the contents of my file upon request.\n\nThis misconduct has directly caused harm, including denials of housing, inflated interest rates, emotional distress, and reputational damage.\n\n\n\nLegal Notice:\n\nPursuant to federal law, this correspondence serves as formal notice that if these violations are not fully corrected within fifteen (15) days of receipt, I will pursue legal action against TransUnion in state or federal court without further notice.\n\nThis legal action will seek statutory damages, actual damages, punitive damages, and attorneys fees and costs as allowed under the Fair Credit Reporting Act, specifically 15 U.S.C.  1681n and  1681o.\n\n'

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