Consumer complaint received 2025-02-16 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: SC

Complaint narrative:
Upon reviewing my report as of todays date, I have identified several inaccuracies, incomplete information, and discrepancies. As stipulated by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ), a consumer reporting agency is required to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in a consumer report. The following accounts ( blank ) are incomplete and inaccurate. This provision under 15 U.S.C. 1681e ( b ) is designed to protect consumers, and I request that these issues be rectified in accordance with the law. The following accounts listed below : I have found the following inaccurate information on my credit report : Account # : XXXX o Account Name : XXXX o Account Date Open : XX/XX/XXXX o Date Closed : XX/XX/XXXX o Disputed Information : The reported balance, account status, and date closed are inaccurate. This account was closed prematurely, and the reporting does not reflect my actual payment history. Please remove this account from my credit report in accordance with 15 USC 1681i ( 5 ) and 15 USC 1681s-2, as the information is not accurate or complete. 
Account # : XXXX o Account Name : XXXX XXXX XXXX Account Date Open : XX/XX/XXXX o Date Closed : XX/XX/XXXX o Disputed Information : The dates listed are incorrect, and payments are inaccurately reported. Under 15 USC 1681e ( b ), all information reported to the credit bureaus must be accurate and complete. Therefore, I request the removal of this information. 
Account # : XXXX o Account Name : XXXX XXXX o Account Date Open : XX/XX/XXXX o Date Closed : XX/XX/XXXX o Disputed Information : This account status is incorrectly reported, and there are discrepancies in the payment history. Under 15 USC 1681i ( a ) ( 1 ), I request that you investigate and delete any inaccurate information regarding this account. 
Account # : XXXX o Account Name : XXXX XXXX o Account Date Open : XX/XX/XXXX o Date Closed : XX/XX/XXXX o Disputed Information : Incorrect information regarding payment status and balance. According to 15 USC 1681e ( b ), any inaccurate data must be deleted from my credit report. 
Account # : XXXX o Account Name : XXXX XXXX o Account Date Open : XX/XX/XXXX o Date Closed : XX/XX/XXXX o Disputed Information : Inaccurate balance reporting and account status. Under 15 USC 1681i ( 5 ), if this can not be verified as accurate, it must be removed from my credit report. 
Account # : XXXX o Account Name : XXXX XXXX Account Date Open : XX/XX/XXXX o Date Closed : XX/XX/XXXX o Disputed Information : This account shows incorrect payment history and status. Please remove this inaccurate information as required by 15 USC 1681s-2 and 15 USC 1681e ( b ). 
Account # : XXXX o Account Name : XXXX FCU o Account Date Open : XX/XX/XXXX o Date Closed : XX/XX/XXXX o Disputed Information : The reported balance and payment status are incorrect. I request the deletion of this account from my credit file under 15 USC 1681i ( 7 ) and 15 USC 1681e ( b ). Disputed Information : This account also appears to be reported inaccurately. In accordance with 15 USC 1681i ( 5 ), 15 USC 1681i ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s-2, I request the deletion of this account as it is incorrectly listed and unverifiable.. The information provided is incomplete and unverifiable Incorrect account status and dates. 

Account # : XXXX o Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) o Account Date Open : XX/XX/XXXX o Date Closed : XX/XX/XXXX o Disputed Information : Inaccurate reporting of the dates and account status. According to 15 USC 1681i ( 5 ), if this information can not be verified, it should be deleted from my credit report. 
Account # : XXXX o Account Name : XXXX o Account Date Open : XX/XX/XXXX o Date Closed : XX/XX/XXXX o Disputed Information : Inaccurate reporting of the dates and account status. According to 15 USC 1681i ( 5 ), if this information can not be verified, it should be deleted from my credit report. 

Account # : XXXX o Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) o Account Date Open : XX/XX/XXXX o Date Active : XX/XX/XXXX o Disputed Information : Inaccurate reporting of the dates and account status. According to 15 USC 1681i ( 5 ), if this information can not be verified, it should be deleted from my credit report. 

Account # : XXXX o Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) o Account Date Open : XX/XX/XXXX o Date Closed : XX/XX/XXXX o Disputed Information : The status of this account is incorrectly reported. I request the removal of this account in accordance with 15 USC 1681i ( 5 ) and 15 USC 1681s-2. Disputed Information : This account also appears to be reported inaccurately. In accordance with 15 USC 1681i ( 5 ), 15 USC 1681i ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s-2, I request the deletion of this account as it is incorrectly listed and unverifiable.. The information provided is incomplete and unverifiable Incorrect account status and dates. 
o Account # : XXXX o Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) o Account Date Open : XX/XX/XXXX o Date Closed : XX/XX/XXXX o Disputed Information : Disputed Information : This account also appears to be reported inaccurately. In accordance with 15 USC 1681i ( 5 ), 15 USC 1681i ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s-2, I request the deletion of this account as it is incorrectly listed and unverifiable.. The information provided is incomplete and unverifiable Incorrect account status and dates. 

Account # : XXXX o Account Name : XXXX XXXX o Account Date Open : XX/XX/XXXX o Date Closed : XX/XX/XXXX o Disputed Information : Disputed Information : This account also appears to be reported inaccurately. In accordance with 15 USC 1681i ( 5 ), 15 USC 1681i ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s-2, I request the deletion of this account as it is incorrectly listed and unverifiable.. The information provided is incomplete and unverifiable Incorrect account status and dates. 

Account # : XXXX o Account Name : XXXX XXXX o Account Date Open : XX/XX/XXXX o Date Closed : XX/XX/XXXX o Disputed Information : Disputed Information : This account also appears to be reported inaccurately. In accordance with 15 USC 1681i ( 5 ), 15 USC 1681i ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s-2, I request the deletion of this account as it is incorrectly listed and unverifiable.. The information provided is incomplete and unverifiable Incorrect account status and dates. 

Account # : XXXX o Account Name : XXXX XXXX Account Date Open : XX/XX/XXXX o Date Closed : XX/XX/XXXX o Disputed Information : This account also appears to be reported inaccurately. In accordance with 15 USC 1681i ( 5 ), 15 USC 1681i ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s-2, I request the deletion of this account as it is incorrectly listed and unverifiable. The information provided is incomplete and unverifiable Incorrect account status and dates. 
o The account has incorrect status and balance reporting. 
Account # : XXXX o Account Name : BANKRUPTCY o Account Date Open : XX/XX/XXXX o Date Closed : XX/XX/XXXX o Disputed Information : Incorrect reporting regarding the bankruptcy. As per 15 USC 1681e ( b ), I request the deletion of this record if it is inaccurate. This account also appears to be reported inaccurately. In accordance with 15 USC 1681i ( 5 ), 15 USC 1681i ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s-2, I request the deletion of this account as it is incorrectly listed and unverifiable.. The information provided is incomplete and unverifiable Incorrect account status and dates. 
o Account # : XXXX o Account Name : XXXX XXXX XXXX XXXX Account Date Open : XX/XX/XXXX o Date Closed : XX/XX/XXXX o Disputed Information : Disputed Information : This account also appears to be reported inaccurately. In accordance with 15 USC 1681i ( 5 ), 15 USC 1681i ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s-2, I request the deletion of this account as it is incorrectly listed and unverifiable.. The information provided is incomplete and unverifiable Incorrect account status and dates. 

Account # : XXXX o Account Name : XXXX XXXX XXXX XXXX Account Date Open : XX/XX/XXXX o Date Closed : XX/XX/XXXX o Disputed Information : Disputed Information : This account also appears to be reported inaccurately. In accordance with 15 USC 1681i ( 5 ), 15 USC 1681i ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s-2, I request the deletion of this account as it is incorrectly listed and unverifiable.. The information provided is incomplete and unverifiable Incorrect account status and dates. 
Account Type : Commercial Banks Account Name : XXXX XXXX  Account Date Open : XX/XX/XXXX Disputed Information : This account is inaccurately reported. As per 15 USC 1681i ( 5 ), 15 USC 1681i ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s-2, I request that this account be deleted from my credit report due to its violation of the FCRA. The information provided is incomplete and unverifiable. 
Account Type : XXXX XXXX Account Name : XXXX XXXX Account Date Open : XX/XX/XXXX Disputed Information : This account also appears to be reported inaccurately. In accordance with 15 USC 1681i ( 5 ), 15 USC 1681i ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s-2, I request the deletion of this account as it is incorrectly listed and unverifiable. 

ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX o Disputed Information : Incorrect address reporting. As per 15 USC 1681e ( b ), this entry should be removed if it is incorrect. This account also appears to be reported inaccurately. In accordance with 15 USC 1681i ( 5 ), 15 USC 1681i ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s-2, I request the deletion of this account as it is incorrectly listed and unverifiable.. The information provided is incomplete and unverifiable.

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