Consumer complaint received 2025-04-24 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX Date : XXXX TransUnion LLC XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Dispute of Inaccurate and Unverifiable Accounts | File No. XXXX To Whom It May Concern, Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am formally disputing the accuracy and validity of multiple accounts reported on my TransUnion credit report, dated XX/XX/XXXX, XXXX XXXX. XXXX. 

These accounts are either inaccurate, unverified, not mine, or in violation of the FCRA, the Metro 2 credit reporting guidelines, and where applicable, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). 

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported with {$0.00} credit limit and incorrect high balances. 
Metro 2 requires valid credit limit reporting to calculate accurate utilization.

Please verify the completeness and accuracy or delete it under FCRA 1681i ( a ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-off status and sold to a third party without proper notification or validation. 
Inaccurate reporting of original creditor and balance transfer date. 
In violation of FCRA 1681s-2 ( b ) and FDCPA 809. 
XXXX. XXXX XXXX XXXX ( Originally XXXX ) No contract, signed agreement, or itemized proof of debt provided. 
Violates FDCPA 809 ( a ) ; also appears re-aged, violating FCRA and Metro 2. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Marked as collection, but no documentation or chain of title has been provided. 
Account marked disputed but continues to be reported, which violates FCRA 1681s-2 ( a ) ( 3 ). 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account balance and original creditor info appears inaccurate. 
No signed contract or verification has been presented. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account status and balance are inconsistent. 
Historical high balances conflict with the reported credit limit. 
Please provide itemized statements, proof of terms, and application. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported closed : was 90 days late but no contractual obligation or full payment history shown. 
Reporting lacks material accuracy and is misleading under FCRA 1681e ( b ).

Legal Basis for Dispute : FCRA 1681i : Right to dispute inaccurate or incomplete information and demand reinvestigation. FCRA 1681e ( b ) : Failure to maintain maximu
m possible accuracy is a statutory violation.

FCRA 1681s-2 ( b ) : Furnishers are required to investigate disputed information.

FDCPA 809 ( b ) : Debt collectors must provide validation of debt upon request.

Metro 2 Compliance : Failure to conform to standardized data reporting formats violates credit bureau policy and may constitute inaccurate reporting. 



My Request : Delete or correct the above-mentioned accounts if they can not be verified with proper documentation. 
Send me all investigation results, including documents used for verification. 
Provide the names and contact details of all furnishers you contacted during the reinvestigation.

Mark any account that can not be verified within 30 days as deleted, as required by FCRA 1681i ( a ) ( 5 ).

If these accounts are not removed or corrected within the 30-day statutory period, I will consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing further action under 15 U.S.C. 1681n & 1681o for willful or negligent noncompliance. 

Sincerely, 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