Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX DOB : XX/XX/XXXX SSN ( last XXXX ) : XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : TransUnion XXXX XXXX  XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Re : Formal Dispute of Inaccurate and Incomplete Credit Reporting Account in Question : XXXX Account Numbers : - TransUnion : XXXX - Experian : 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  Dear Credit Bureau, This letter serves as a formal dispute of the above-referenced account pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - BASIS OF DISPUTE This account is being reported with multiple inconsistencies, inaccuracies, and incomplete information across TransUnion and Experian : XXXX. Account Numbers- TransUnion : XXXX - Experian : XXXX Different account numbers for the same tradeline create confusion and violate FCRA 1681e ( b ) ( maximum accuracy ). 

XXXX. Remarks - TransUnion : Blank - Experian : Unpaid balance reported as a loss by credit grantor ; account closed at credit grantors request Direct contradiction. Remarks must be consistent and accurate. 

XXXX. XXXX XX/XX/XXXX Days Late - TransUnion : XXXX - Experian : XXXX This is mathematically impossible for the same account. Such contradictory reporting is materially inaccurate and misleading. 

XXXX. Months Reviewed - TransUnion : XXXX - Experian : XXXX One bureau shows no history while the other reports 82 months reviewed. This inconsistency violates 1681e ( b ). 

XXXX. Term Source Type - Both TransUnion and Experian : Blank Incomplete reporting under 1681i ( a ). 

XXXX. High Balance - TransUnion : {$5300.00} - Experian : {$0.00} Two drastically different figures for the same account, clearly inaccurate. 

XXXX. Payment History - TransUnion : No history is available - Experian : Youve made 0 % of payments for this account on time Both versions are materially misleading : either there is no history or there is a negative history, but not both. Inconsistent reporting violates 1681e ( b ) and 1681i ( a ). 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - LEGAL AUTHORITY FCRA 1681e ( b ) : Requires consumer reporting agencies to assure maximum possible accuracy. 
FCRA 1681i ( a ) : Requires a reasonable reinvestigation within 30 days of receiving a dispute.

FCRA 623 ( a ) ( 8 ) : Establishes that disputes submitted via the CFPB complaint portal must be treated the same as direct disputes, with equal legal weight.

FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) : If this account is verified, you must provide a Method of Verification ( MOV ) including : - Name, address, and telephone number of the furnisher contacted ; - Detailed description of how the information was verified ; - Documentation relied upon. 
Case Law : Cushman v. Trans Union , LLC, 115 F.3d 220 ( 3d Cir. 1997 ) Bureaus must conduct an independent and reasonable reinvestigation, not simply rely on creditor input. 
FTC/CFPB Guidance : Confirms that incomplete, inconsistent, or inaccurate reporting must be corrected or deleted. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - ON CFPB.GOV DISPUTES Please note : Disputes submitted through the Consumer Financial Protection Bureaus portal must be treated with the same seriousness and authority as direct disputes. Under FCRA 623 ( a ) ( 8 ), credit bureaus and furnishers are obligated to investigate, correct, or delete disputed information regardless of submission method. Any attempt to treat CFPB-filed disputes differently is a violation of federal law. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - DEMANDS XXXX. Conduct a full and reasonable reinvestigation of this account within XXXX XXXX, as required by 1681i ( a ) ( 1 ). 
XXXX. If verified, provide a complete Method of Verification within 15 days of the reinvestigation outcome, per 1681i ( a ) ( XXXX ) ( B ) ( iii ). 
XXXX. Delete or correct all inaccurate, incomplete, or contradictory reporting related to this account. 
XXXX. Provide me with an updated credit report reflecting corrections or deletions. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - PRESERVATION OF RIGHTS If these violations are not corrected, I will escalate by filing formal complaints with the CFPB, FTC, and my State Attorney General. I will also pursue remedies under FCRA 1681n and 1681o, including actual damages, statutory damages, attorneys fees, and punitive damages. This letter serves as notice of preservation of all rights for legal action if violations persist. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Copy of state-issued ID, Social Security card, proof of address, and highlighted copies of credit report pages showing the above-referenced inconsistencies.

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