Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX To : TransUnion XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute of Inaccurate Credit Reporting Request for Immediate Investigation and Correction Account Name : XXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX Dear Credit Reporting Agency XXXX ( XXXX ) XXXX XX/XX/XXXX To : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Dispute of Inaccurate Credit Reporting Request for Immediate Investigation and Correction Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Dear Credit Reporting Agency , I am writing to formally dispute the inaccurate and misleading information being reported to the credit bureaus regarding the account listed above with XXXX XXXX XXXX XXXX The information currently being furnished is not only incorrect but constitutes a violation of the Fair Credit Reporting Act ( FCRA ), particularly under 15 U.S.C. 1681s-2, which prohibits furnishers from reporting inaccurate or incomplete information after being notified of such errors. 

I am writing to formally dispute the inaccurate and potentially unlawful credit reporting related to the following account : Creditor/Furnisher : XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s2, I am exercising my rights to dispute the following inaccuracies being reported to consumer reporting agencies : Incorrect Account Status : Account is being reported as open when it is, in fact, closed. 
Inaccurate Balance : A balance of {$12000.00} is still being reported despite the account being closed. 
Incorrect Last Payment Date : Report shows XX/XX/XXXX which is inaccurate. 
Incorrect Last Active Date : Report shows XX/XX/XXXX, which is not possible and false. 
Continued Reporting of Repossessed Vehicle : Without proper supporting documentation, this also constitutes inaccurate and misleading reporting. 

These discrepancies are not only misleading but also constitute violations of your responsibilities as a data furnisher under federal law. You are required to report accurate information and correct any known or disputed errors promptly upon notice. By continuing to furnish this incorrect information after being notified, you are in direct violation of the FCRA. 

To resolve this matter, I am requesting the following within the time frame prescribed by law : 1. A full investigation into the accuracy of this account. 
2. Verification and documentation of the following : Original signed loan agreement Complete payment history Notice of default and repossession Notice of sale Surplus or deficiency letter with itemized calculation Vehicle condition report Bill of sale/purchase Licensure of the original creditor to originate and service the loan If you are unable to provide this documentation and correct the inaccurate reporting, I demand that the account be deleted in full from all consumer reporting agencies to avoid legal action. 

Thank you for your prompt attention to this serious matter. I expect a written response within 30 days, as required under the FCRA. 

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