Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX  XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Reporting XXXX XXXX  Account To Whom It May Concern, I am formally disputing the accuracy and completeness of the XXXX XXXX account being reported on my credit file. This account is marked as Late 30 Days and includes the statement First payment never received. Such reporting is not only inconsistent but is also unverifiable, inaccurate, and misleading, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
The account simultaneously reflects an Open and Current status while claiming a missed initial payment, which is contradictory and misrepresents the true nature of the obligation. Reporting derogatory remarks of this nature without supporting documentation is a violation of FCRA 1681i ( a ), which requires credit bureaus to ensure accuracy and to correct or delete any unverifiable or incomplete information.

I am formally requesting a reinvestigation and permanent deletion of this account unless you can provide, within 30 days : 1. A copy of the original signed contract or agreement with XXXX XXXX establishing the alleged debt. 
XXXX. A full and complete payment history supporting the late payment claim. 
XXXX. Evidence that XXXX XXXX complied with its duties under FCRA 623 ( a ) ( 7 ) to notify me of any negative information being reported.

If the information can not be verified in accordance with FCRA 1681i ( a ) ( 5 ) ( A ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXXXXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Reporting XXXX XXXX Account To Whom It May Concern, I am formally disputing the accuracy and completeness of the XXXX XXXX account being reported on my credit file. This account is marked as Late 30 Days and includes the statement First payment never received. Such reporting is not only inconsistent but is also unverifiable, inaccurate, and misleading, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The account simultaneously reflects an Open and Current status while claiming a missed initial payment, which is contradictory and misrepresents the true nature of the obligation. Reporting derogatory remarks of this nature without supporting documentation is a violation of FCRA 1681i ( a ), which requires credit bureaus to ensure accuracy and to correct or delete any unverifiable or incomplete information.

I am formally requesting a reinvestigation and permanent deletion of this account unless you can provide, within 30 days : 1. A copy of the original signed contract or agreement with XXXX XXXX establishing the alleged debt. 
2. A full and complete payment history supporting the late payment claim. 
3. Evidence that XXXX XXXX complied with its duties under FCRA 623 ( a ) ( 7 ) to notify me of any negative information being reported.

If the information can not be verified in accordance with FCRA 1681i ( a ) ( 5 ) ( A ), you are legally obligated to permanently delete this entry from my credit file. Continued reporting of unverifiable information may constitute willful noncompliance under FCRA 616 and/or negligent noncompliance under FCRA 617 , which can result in statutory damages and civil liability. 
Please conduct a full reinvestigation and provide written confirmation of the outcome. Failure to comply will result in the filing of formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action to enforce my rights under federal law. 
Sincerely, XXXX XXXX XXXX Please conduct a full reinvestigation and provide written confirmation of the outcome. Failure to comply will result in the filing of formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action to enforce my rights under federal law. 

Sincerely, XXXX 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