Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # # # * * Subject : * * Request for Deletion of Inaccurate Account XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX  Partial Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Credit Bureau Representative, I am writing to formally dispute the accuracy and completeness of the information being reported on my credit file regarding the above-referenced XXXX account XXXX After reviewing my credit reports from XXXX, Experian, and TransUnion, I found multiple factual errors and reporting inconsistencies that violate the Fair Credit Reporting Act ( FCRA ) and render this account materially misleading. 

# # # * * Disputed Errors and Grounds for Deletion * * 1. * * Conflicting Account Statuses * * The account is listed as * In Dispute, Paid Collection, * and * Late 120 Days. * These can not all be true and violate * * FCRA 607 ( b ) * *, which requires that information be reported accurately and consistently.

2. * * Invalid Future Dates * * This record includes a * Start Date of XX/XX/XXXX * and * Last Activity of XX/XX/XXXX, * which are future dates. Reporting impossible dates violates * * FCRA 611 ( a ) ( 1 ) ( A ) * * and demonstrates data inaccuracy.

3. * * Incorrect Account Type and Creditor Classification * * The same account is reported as an * Open Account, Installment, * and * Collection * account. XXXX is a telecommunications service provider, not an installment creditor. This is inaccurate and violates * * FCRA 623 ( a ) ( 1 ) ( A ) * *.

4. * * Contradictory Payment and Balance Information * * The account shows a {$0.00} balance and a Paid status yet also lists Late 120 Days. Once paid, a collection can not continue to show delinquency. This violates * * FCRA 607 ( b ) * *.

5. * * Conflicting Comments and Notations * * The bureaus report remarks such as * Settlement Accepted, Paid Collection, * and * Account Seriously Past Due. * These conflicting remarks misrepresent the true status of the account, violating * * FCRA 602A * *.

-- - Because this account contains multiple unverifiable and conflicting elements, I request an * * immediate reinvestigation * * and * * permanent deletion * * of the XXXX account from my credit reports unless it can be fully verified in compliance with the FCRA. 

Please provide : * Written confirmation of your investigation results, * The name and contact information of the furnisher you verified this with, and * The method of verification, as required under * * FCRA 611 ( a ) ( 6 ) * *. 

If you can not verify each detail within 15 days, please delete the XXXX account entirely from my credit file as required by federal law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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