Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX  XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX To Whom It May Concern, I am writing to formally dispute and challenge the accuracy and completeness of the information being reported under the account number XXXX XXXX XXXX XXXX XXXX which appears on my TransUnion credit report. This account is reported as a Line of Credit allegedly opened on XX/XX/XXXX, with a high credit of {$91.00} and a credit limit of {$90.00}. However, a thorough review of the tradeline reveals inconsistencies, logical errors, and potential FCRA violations. 

Disputed Account Details Inaccuracies & Illogical Reporting The following issues raise immediate red flags under the Fair Credit Reporting Act ( FCRA ), particularly 1681e ( b ) ( duty to report with maximum possible accuracy ) and 1681i ( a ) ( reinvestigation of disputed information ) : Inconsistent High Credit vs. Credit Limit High Credit : {$91.00} Credit Limit : {$90.00} This suggests over-limit usage beyond the defined limit, which may be a reporting error or misclassification.

Account Status Confusion The account is listed as Paid and Current, yet also shows forbearance and serious delinquencies ( 30 to 120 days past due ). 

How can an account be both current and have recent multi-month delinquencies? 

Payment History Conflicts The 24-month payment history from TransUnion includes : 30, 60, 90, and 120-daXXXX late marks ( XXXX XXXX ), Followed by OK status in later months. 

This contradicts the Account XXXX and XXXX status as of the Last Reported Date : XX/XX/XXXX. 

If the balance is {$0.00} and the account is Paid, why are delinquencies present with no ongoing monthly obligation? 

Missing or Incomplete Reporting Neither XXXX  nor XXXX  reports this account at all. 

This inconsistency across bureaus is further evidence of unverifiable and unreliable reporting. 

Account in Forbearance The forbearance comment contradicts the simultaneous reporting of delinquency. If forbearance was granted, no negative payment status should have been recorded during that time. 

Under the FCRA As a consumer, I am protected under the FCRA, which requires all consumer reporting agencies and furnishers of information to : Maintain only accurate, complete, and verifiable information ( 15 U.S.C. 1681e ( b ) ) ; Promptly investigate and correct or delete disputed items within 30 days ( 15 U.S.C. 1681i ) ; Remove unverifiable information after a reasonable reinvestigation ( 15 U.S.C. 1681i ( a ) ( 5 ) ).

At this time, I am demanding a full reinvestigation of this account or complete deletion of the tradeline from my TransUnion credit report, due to the errors and inconsistencies listed above. If you are unable to verify each component of the data with the original creditor and supporting documentation, you are legally required to delete the account. 



Please take the following actions : Provide me with written documentation validating the accuracy of this accounts reporting, including payment history, account terms, forbearance approval records ( if any ), and explanation of how high credit exceeded the credit limit ; If you can not verify this information with original records, remove the tradeline immediately from my credit report ; Provide a written confirmation of the outcome of your reinvestigation within 30 days as required by law. 

If this issue is not corrected within the required timeframe, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and Georgia Attorney General, and explore legal remedies for violations of my rights under the FCRA. 

I expect your immediate attention to this matter.

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 explanation