Consumer complaint received 2025-12-03 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : Tuesday, XX/XX/XXXX TransUnion, LLC XXXX. XXXX XXXX XXXX, PA XXXX RE : FORMAL DEMAND FOR IMMEDIATE DELETION OF ILLEGAL, UNVERIFIABLE, AND MISREPORTED INFORMATION 15 USC 1681c-2 ( 4-Day Rule ) To Whom It May Concern : This letter constitutes a formal dispute and demand for immediate deletion of multiple items on my TransUnion credit report that are inaccurate, incomplete, unverifiable, misreported, or furnished in violation of federal law. I am asserting my rights under : 15 U.S.C. 1681c-2 Mandatory block/delete within 4 business days 15 U.S.C. 1681i Failure to maintain reasonable reinvestigation procedures 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy FDCPA ( 15 USC 1692 et seq. ) where applicable Supporting case law including : 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  TransUnion has a non-delegable duty to ensure the accuracy of every item reported. The items below violate these statutes. 

NEGATIVE ITEMS IDENTIFIED FROM YOUR TRANSUNION REPORT ( DEMAND FOR REMOVAL ) Below are all derogatory, late, inconsistent, or misreported items requiring immediate deletion. 

XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} Original Creditor : XXXX XXXX XXXX Reported : XX/XX/XXXX Violations : No proof of ownership, assignment, or validation ( FDCPA violation ) No original contract or itemized statement Placed for collection without mandatory documentation Reporting balance without verification Can not legally be reported without proper furnisher certification Conflicts exist between furnisher data and CRA fields DEMAND : Immediate deletion under 1681c-2. 

XXXX. XXXX XXXX XXXX ( UNSECURED LOAN ) Reported : XX/XX/XXXX Status : Charge-off / Profit & Loss Write-Off Violations : Conflicting statuses : Derogatory, Purchased by another lender, and Charge-off Late pattern ( 1/1/1 ) is unverifiable and inconsistent Missing key data fields Reporting after transfer is improper and violates FCRAs accuracy requirement DEMAND : Delete immediately under 1681c-2 and 1681e ( b ). 

XXXX. XXXX XXXX XXXXXXXX Balance : {$11000.00} Status : XXXX Days Late Violations : Payment history conflicts with prior servicer XXXX XXXX late payments can not be verified by servicer documentation Fails Department of Education accuracy standards Appears misreported following administrative forbearance periods Furnisher can not verify dates, lates, or delinquencies DEMAND : Remove as inaccurate and unverifiable. 

XXXX. XXXX XXXX XXXX  LATE PAYMENTS Worst Status : 3059 Days Late Violations : Late payments contradict payment data provided by XXXX in other bureau reports Dates and delinquencies do not follow permissible reporting windows Unverified late data violates XXXX XXXX TransUnion DEMAND : Delete all late payments and derogatory elements. 

XXXX. XXXX XXXX LATE PAYMENTS Balance : {$8200.00} ( Closed ) Worst Status : 3059 Days Late Violations : Late payment pattern unverifiable Conflicts in closure date and status Closed by credit grantor inconsistently reported DEMAND : Delete derogatory lates and incorrect reporting. 

XXXX. XXXX PAYMENT HISTORY MISREPORTING ( 74 % ) Violations : Payment history conflicts with actual on-time payment data No record of delinquencies, yet scored at 74 % Inaccurate algorithmic reporting ( FCRA 1681e ( b ) violation ) DEMAND : Correct or delete. 

XXXX. XXXX XXXX XXXX XXXX Although showing Current, this account contains : Missing payment data Missing monthly payment Incomplete fields ( FCRA 1681e ( b ) ) DEMAND : Remove incomplete/unverifiable data if full documentation can not be produced. XXXX XXXX XXXX Multiple Accounts ) While not derogatory, these contain : Incomplete payment data Missing payment histories Inconsistent balance and closed-date reporting Incorrect Worst Status data ( always Current but flagged as Derogatory ) Because these are incomplete, they violate 1681e ( b ).

DEMAND : Remove all Affirm entries unless fully verified with itemized transaction histories. 

LEGAL REQUIREMENT : 4-DAY DELETION RULE Under 15 USC 1681c-2 ( a ) : When a consumer identifies information as fraudulent, erroneous, or unverifiable, the CRA must block/delete it within 4 business days.

TransUnion must : Delete all disputed items within 4 business days Provide a updated file showing all deletions Provide the method of verification per 1681i ( a ) ( 6 ) ( B ) ( iii ) Cease all re-reporting unless full documentary evidence exists Failure to comply will result in : CFPB complaint FTC complaint State AG filing Private right of action under 1681n and 1681o for willful and negligent non-compliance CERTIFICATION I certify that all disputed items are inaccurate, incomplete, or unverifiable. 
I request their immediate deletion 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