Consumer complaint received 2025-06-30 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: NJ

Complaint narrative:
Transunion continues to delay my dispute investigation claiming the requests are coming from a third party despite being provided with my identification. I am demanding that Transunion investigate my requests and update my account along with providing me with their method of verification. I have given them 15 days to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXXXXXX  TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX RE : Request for Deletion of Inaccurate and Reaged Accounts FCRA and FDCPA Violations To Whom It May Concern : I am writing to formally dispute several items within my consumer credit file as maintained by TransUnion. I am requesting that you delete the following addresses permanently from my credit file : XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX NJ XXXX, Employer : XXXX XXXX, Did Not Provide Also, the following accounts are being reported inaccurately and/or have been reaged in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). The following accounts must be permanently deleted : XXXX. XXXXXXXX XXXX o Account XXXX  : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Error : This account has been reaged improperly, extending its reporting period beyond the legally allowed timeframe. Date of Last Activity- inaccurate and reaged- DELETE IMMEDIATELY XXXX. XXXXXXXX XXXX XXXX ( XXXX XXXX  ) o Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Error : Verified by all three credit reporting agencies as accurate ; however, inaccurate balance and must be deleted immediately as I have requested several times for this account to be corrected. You have failed to do so in the time allotted by the Fair Credit Reporting Act. Date of Last Activity represents that you have reaged this account along with inaccurate creditor remarks. DELETE IMMEDIATELY XXXX. XXXX XXXX o Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Error : XXXX XXXX has informed the Consumer Financial Protection Bureau ( CFPB.gov ) that they are contracted with the alleged original creditor ; however, they have failed to provide any proof of such a contract. Furthermore, XXXX XXXX ran a hard inquiry on my credit report without my permissible purpose. I never applied for credit with XXXX XXXX, and they have not provided a copy of the contract with the alleged original creditor. I demand that this account be permanently deleted from my credit file. If not, I will seek restitution of the minimum allowed by law and, if necessary, pursue this matter to the fullest extent. Date of Last Activity- I have no activity as this is not my account- DELETE IMMEDIATELY These errors and violations are serious and require immediate correction. I demand that these accounts be permanently deleted from my credit file and that all data furnishers be directed to cease further reporting. 
Please complete this matter within fifteen ( 15 ) days from the date of this letter and send a copy of my updated consumer credit report to my address listed above. 
Sincerely, 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