Consumer complaint received 2025-08-14 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XX/XX/XXXX SSN ( last 4 ) : XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXX RE : Formal FCRA Dispute Inaccurate & Incomplete Reporting Account Name : XXXX  XXXX Account Number : XXXX CFPB Portal Disputes Treated as Direct Disputes : Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( D ) ( FCRA 623 ( a ) ( 8 ) ( D ) ), any dispute submitted through the Consumer Financial Protection Bureaus ( CFPB ) complaint portal is to be treated no differently than a direct dispute submitted to the furnisher or consumer reporting agency. This means all statutory duties to investigate, correct, or delete inaccurate information apply equally, and all deadlines imposed by FCRA 611 ( a ) and 623 ( a ) ( 8 ) remain fully in force. Any failure to treat this CFPB-filed dispute as a valid direct dispute will constitute a willful violation of the FCRA and related regulations.

1. Nature of the Dispute I am formally disputing the accuracy and completeness of the above-referenced account as it appears on my TransUnion credit report. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 602A, 607 ( b ), 611 ( a ), and 623 ( a ) ( 8 ), as well as relevant CFPB and FTC guidance.

The following material inaccuracies and omissions appear : Remarks Field TransUnion reports remarks as blank, failing to indicate the account is in collections.

FCRA 607 ( b ) requires maximum possible accuracy, which includes complete and non-misleading reporting.

Delinquency History TransUnion reports Times XX/XX/XXXX days late as XXXX despite the account being in collections, which is factually inconsistent with its reported status.

Payment History TransUnion reports No history is available, failing to display a payment pattern consistent with the accounts current status. This creates an incomplete and misleading record.

2. Legal Basis for Dispute FCRA 607 ( b ) Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

FCRA 611 ( a ) ( 1 ) ( A ) Requires a reasonable reinvestigation of disputed information within 30 days.

FCRA 623 ( a ) ( 8 ) ( D ) States that disputes submitted through the CFPBs portal are to be treated identically to direct disputes sent to the credit reporting agency or furnisher.

Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ) Holds that a CRAs reinvestigation must be more than a mere parroting of the furnishers position.

Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) Reinforces that incomplete or misleading reporting violates the FCRA even if technically accurate.

3. Method of Verification ( MOV ) Request If you verify this account as accurate after your reinvestigation, I demand, pursuant to FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), that you provide within 15 days : Name, mailing address, and phone number of each furnisher contacted. 

Dates and methods of contact with each furnisher. 

Copies of all records, account documents, contracts, payment histories, or system notes used in your verification. 

Identification of databases or third-party verification tools accessed, with retrieval dates.

A detailed explanation describing exactly how you determined the disputed information to be accurate.

4. Demand for Action & Deadlines 30 days from receipt of this letter to complete reinvestigation per FCRA 611 ( a ).

15 days from the date of verification to fulfill the MOV request if verified.

5. Preservation of Rights If you fail to comply with your obligations under the FCRA, I will take all necessary actions, including : Filing formal complaints with the CFPB, FTC, and NY Attorney General Initiating civil litigation under 15 U.S.C. 1681n and 1681o for statutory, actual, and punitive damages, as well as attorneys fees. 

Nothing in this letter shall be construed as a waiver of any rights or remedies available to me under federal or state 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