Consumer complaint received 2025-11-06 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: FL

Complaint narrative:
Re : Formal Investigation Demand Factual Dispute of Inaccurate Reporting ( XXXX Secured Loan ) Account # ( Partial ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXXReported Dates : XX/XX/XXXX XX/XX/XXXX Dear Credit Reporting Agency Compliance Officer, I am writing under my rights afforded by the Fair Credit Reporting Act ( FCRA ) 602 ( A ), 607 ( B ), 611 ( A ), the Truth in Lending Act ( TILA ), the Fair Debt Collection Practices Act ( FDCPA ), the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under 12 U.S.C. 5531, and XXXX XXXX Compliance Standards, to demand a reinvestigation and immediate correction or deletion of the XXXX secured installment loan currently being reported on my credit file. 
This account is being inaccurately and unlawfully reported as having late 30- and 60-day payments, despite records showing the account was paid and closed with a {$0.00} balance. The last verified activity dates ( XXXX ) and the high balance of {$520.00} reflect that the account was satisfied in full, and no valid delinquency existed at closure. Under XXXX XXXX Reporting Guidelines and FCRA 607 ( B ), you are required to maintain maximum possible accuracy ; reporting an account as late after closure or full satisfaction constitutes outdated and unverifiable data. 
Furthermore, XXXX recent update dated XX/XX/XXXX demonstrates continued inaccurate re-aging of a closed account, which is a direct violation of FCRA 623 ( a ) ( 2 ) ( duty to correct and update information ) and XXXX XXXX Data Field 17A standards, which prohibit furnishing obsolete or re-aged data post-closure. This materially misrepresents the consumers payment history and is classified under UDAAP as an unfair and deceptive reporting act, as it causes measurable harm to my creditworthiness and financial reputation.

Per FCRA 611 ( A ), you are required to conduct a full reinvestigation within 30 days and provide evidence validating the accuracy and completeness of this reporting. If you can not verify through original source documentation from the creditor not third-party data resellers you must delete the account immediately. Failure to comply constitutes willful noncompliance under FCRA 616617, and I will pursue enforcement remedies with the CFPB, FTC, and State Attorney General.

Harm Statement : This inaccurate reporting has caused a significant reduction in my credit score and misrepresents my creditworthiness to lenders. It interferes with my ability to obtain fair financing terms and subjects me to higher interest rates. The continuation of this false data causes financial injury and emotional distress, violating 15 U.S.C. 1681 ( a ) ( 1 ) which mandates fair and accurate reporting to maintain confidence in the nations credit system.

Demand for Compliance : * Immediately delete or correct this XXXX secured account across all reporting systems.

* Provide written verification of deletion or accurate correction within 30 calendar days.

* Include a full description of your reinvestigation procedure as required by FCRA 611 ( A ) ( 6 ).

Should this account remain reported inaccurately or unverifiably, this letter will serve as documented notice of your agencys willful violation of federal law, subject to statutory damages under 15 U.S.C. 1681n and UDAAP penalties. 
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