Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
To Whom It May Concern at TransUnion, I am submitting this complaint regarding inaccurate and unverifiable information currently being reported on my credit file by TransUnion. These items are in direct violation of the Fair Credit Reporting Act ( FCRA ) and are negatively affecting my creditworthiness. 

I am requesting that TransUnion conduct a proper reinvestigation in accordance with 15 USC 1681i and 15 USC 1681e ( b ), and remove any items that can not be verified or are reporting inaccurately. My rights under the FCRA have been violated, and I am formally requesting immediate correction or deletion of the accounts listed below. 

XXXX XXXX  Late Payments : 2 instances of 30-day late payments Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : ( XXXX ) XXXX This item is being reported inaccurately and without proper validation. 

XXXX ( XXXX XXXX XXXX  Account ) Account : XXXX Late Payments : 1 instance of 30-day late payment in XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : XXXX XXXX ) XXXX This item is being reported inaccurately and without proper validation. 

XXXX XXXX XXXX Balance : {$710.00} Original Creditor : Unspecified This item is being reported inaccurately and without proper validation. 

XXXX XXXX XXXX Type : Collection Account Hard Inquiry Date : XX/XX/XXXXXXXX  This item is being reported inaccurately and without proper validation. 

These items are being reported without complete validation and I dispute its accuracy. 
And according to the Fair Credit Reporting Act : And according to 15 USC 1681i ( 5 ), they are supposed to do this : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation of any information disputed by a consumer, the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681e ( b ). 
Furthermore, according to 15 USC 1681i ( 5 ), the treatment of inaccurate or unverifiable information requires : ( A ) In general If, after any reinvestigation of any information disputed by a consumer, the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Requested Resolution : I respectfully request that the above-mentioned items be either : Deleted from my credit report if found to be inaccurate or unverifiable, or Corrected to reflect accurate information following reinvestigation. 
Please notify me once this process is complete and the appropriate actions have been taken.

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