Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Md XXXX XXXX XXXX XX/XX/year> Dispute and Demand for Deletion under 15 USC 1681e ( b ), 15 USC 1681b, and 15 USC 1681s-2 Charge-Off Reporting Dear Experian Dispute Department, I am writing to formally dispute the accuracy and legality of a charge-off currently being reported on my Experian credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ).

The account in question is : Creditor : Sezzle Account Number : n/a Reported Amount : {$140.00} Date of Charge-Off n/a Legal Grounds for Dispute Under 15 USC 1681e ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Reporting this charge-off without proper verification of its accuracy, completeness, and legal standing violates this provision.

Under 15 USC 1681b, a credit reporting agency may only furnish a consumer report with a permissible purpose. I do not recall authorizing or providing consent for this charge-off to be reported, and I hereby request that you provide the specific permissible purpose and documentation relied upon for reporting this account.

Under 15 USC 1681s-2, furnishers of information to consumer reporting agencies are required to provide accurate information and to investigate disputes. I am formally disputing the accuracy and legality of this charge-off, and you are required to notify the furnisher immediately so they may conduct a reinvestigation.

What I Demand 1. A full reinvestigation of this charge-off, including the original signed contract, payment history, and validation of the debt, along with verification that you have a permissible purpose for reporting it.

2. The name, address, and contact information of the furnisher who reported this information. Including non electronic signature 3. A written explanation of the permissible purpose you relied upon for reporting this charge-off under 15 USC 1681b .

4. Deletion of this charge-off from my Experian credit report if you can not fully verify its accuracy, completeness, and legality. 

Enclosed are copies of my government-issued ID and proof of address to assist in processing this dispute. 

If this inaccurate and potentially illegally reported information is not deleted within 30 days, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office for violations of the FCRA, and I will consider pursuing legal action under 15 USC 1681n and 1681o for damages, costs, and attorneys fees. 
Please complete your reinvestigation and provide a written response within 30 days as required by the FCRA. 
Thank you for your prompt attention to this matter. 
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 explanation