Credit reporting or other personal consumer reports — TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Reporting company used your report improperly. This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), Section 611. I am challenging the validity and accuracy of the XXXX XXXX XXXX account # XXXX currently listed as a charge-off on my credit reports. The account is inaccurately reported across Equifax, Experian, and TransUnion with conflicting statuses, dates, and incomplete payment history. The discrepancies include : Inconsistent last activity dates among bureaus. Inflated credit utilization ( 173 % ) reported inaccurately on a closed account. Conflicting notations : Account closed at consumers request vs Unpaid balance charged off by credit grantor. Lack of verifiable documentation from XXXX XXXX XXXX to substantiate the current reporting. No clear history of att