Consumer complaint received 2025-05-30 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX Date : XX/XX/XXXX To : XXXX Subject : Formal Dispute Inaccurate and Inconsistent Reporting XXXX XXXX  XXXX XXXX Account Account Name : XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX digits ) : XXXX Consumer : XXXX XXXX XXXX XXXX XX/XX/XXXX SSN ( Last XXXX digits ) : XXXX Dear TransUnion/Experian This letter is a formal dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding multiple inconsistencies and inaccuracies in the reporting of a XXXX  XXXX XXXX account that appears on my credit file. 

I am not disputing the existence of this account. However, the reporting across credit bureaus is inconsistent, misleading, and in violation of my rights under federal law. I am demanding a reinvestigation, immediate correction, or removal of any unverifiable data. 

1. Inaccuracies and Inconsistencies Identified : Account Number : Only TransUnion and Experian report the last 4 digits of the account number ; there is no full standardization.

2. Account Status : TransUnion reports the account status as Charge-Off, while Experian lists it as Closed. This is a conflicting classification that impacts how the account is interpreted by scoring models and lenders.

3. Remarks : TransUnion reports Settled less than full balance, whereas Experian reports Account delinquent 60 days past due date, account paid in full for less than the full balance. These discrepancies show a lack of uniformity and imply both collection and settlement language simultaneously.

4. Months Reviewed : TransUnion reports the account was reviewed for 48 months, while Experian reports 99 months. One or both is clearly inaccurate or outdated. 

5. Term Source Type : This field is left blank on both TransUnion and Experian, which prevents accurate classification of the account type and terms.

6. Monthly Payment : Both TransUnion and Experian report a {$0.00} monthly payment, which is inconsistent with a revolving or installment structure, and potentially misleading.

7. Current Payment Status : TransUnion states Late 60 days, while Experian reports Collection/Charge-Off. These labels are not only inconsistent but legally significant and damaging.

8. Payment History : TransUnion reports that 88 % of payments were made on time, while Experian reports only 72 % were on time. This level of variation indicates either a data transfer error or an update failure.

Legal Grounds for Dispute The Fair Credit Reporting Act ( FCRA ) requires that : Under 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy.

Under 611 ( 15 U.S.C. 1681i ), consumers have the right to dispute any inaccurate, incomplete, or unverifiable information, and the CRA must reinvestigate the items in question within 30 days.

Under 623 ( a ) ( 1 ) ( A ), furnishers of information ( i.e., XXXX  XXXX XXXX ) must not report any data they know or have reasonable cause to believe is inaccurate. 

Supporting Case Law XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Credit bureaus can not rely solely on the furnisher ; they must conduct an independent and reasonable investigation. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : Failure to remove or correct verified inaccuracies may lead to liability.

Formal Demand for Action I am demanding the following actions be taken : Conduct a reinvestigation of the XXXX  XXXX XXXX account on my credit file. 
Correct or remove any information that can not be verified with clear and accurate documentation. 

Provide the Method of Verification ( M.O.V. ) in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) if the account is verified as accurate. 

Notify me in writing of the results of your reinvestigation within 30 calendar days as required by federal law. 

If this issue is not resolved in a timely and lawful manner, I will escalate this dispute by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and may pursue legal remedies. 

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