Consumer complaint received 2025-11-11 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: MS

Complaint narrative:
* * XXXX XXXX * * XXXX XXXX XXXX, XXXX, XXXX XXXX Date : XX/XX/XXXX * * To : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX * * P.O. Box XXXX, XXXX, GA XXXX * * * Experian * * P.O. XXXX XXXX, XXXX, TX XXXX * * * TransUnion LLC * * P.O. XXXX XXXX, XXXX, PA XXXX -- - # # # * * Subject : * * Formal FCRA Dispute and Request for Deletion BANKPLUS Account Dear Credit Reporting Department, I am submitting this letter as a * * formal dispute under the Fair Credit Reporting Act ( FCRA ) * * regarding the reporting of the * * BANKPLUS account ( Account Number XXXX * * * * ) * * on my credit report. The account contains * * inaccurate, incomplete, or unverifiable information * *, which does not comply with FCRA standards. I request a * * full reinvestigation * * and * * deletion or correction * * of all inaccurate items. 

-- - # # # * * FCRA Legal Grounds for Deletion / Correction * * XXXX. * * 602 ( a ) * * Consumers are entitled to fair and accurate reporting ; reporting negative information on accounts that are paid or closed violates this standard. 
XXXX. * * 607 ( b ) * * Credit bureaus must follow reasonable procedures to ensure * maximum possible accuracy *. Contradictory reporting fails this requirement. 
XXXX. * * 611 ( a ) * * Consumers may dispute incomplete or inaccurate information ; bureaus must reinvestigate within XXXX  days. 
XXXX. * * 611 ( a ) ( 5 ) ( A ) * * Any information that can not be verified as accurate must be * * promptly deleted * *. 
XXXX. * * 605 ( a ) ( 5 ) * * Derogatory information may not remain once an account has been * * paid, closed, or satisfied * *. 

-- - # # # * * Account Disputed * * | Account | Account Number | Status | Balance | Issue | Last Activity | Notes | | -- -- -- -- | -- -- -- -- -- -- -- | -- -- -- -- -- -- - | -- -- -- - | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - | -- -- -- -- -- -- -- -- -- -- - | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- | | XXXX  | XXXX * * * * | Closed / Paid | {$0.00} | Reporting Late XXXX  Days despite XXXX balance | XXXX | Inaccurate reporting ; contradicts closed/paid status | -- - # # # * * Requested Actions * * XXXX. Conduct a * * full reinvestigation * * of this account with the original furnisher. 
XXXX. * * Correct or delete * * any inaccurate, unverifiable, or misleading negative entries so that the account reflects its * * true paid/closed status with XXXX balance * *. 
XXXX. Provide * * written confirmation * * of the results and a * * free updated credit report * * reflecting any deletions or corrections. 

This is a * * lawful FCRA dispute * * seeking * * verification, accuracy, and deletion of unverifiable derogatory reporting * *. 

Thank you for your prompt attention to this matter. 

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