Product: Credit reporting or other personal consumer reports

CFPB Complaint Against TransUnion XXXX XXXX XXXX for Inaccurate Charge-Off Reporting Subject : Failure to Correct Inaccurate Charge-Off Reporting XXXX XXXXXXXX & TransUnion Complaint Details : I am filing a formal complaint against TransUnion and XXXX XXXX for their failure to correct inaccurate information on my credit report regarding a charged-off XXXX XXXX account. I have disputed this account twice with TransUnion, yet they continue to report inaccurate and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ). 

Both XXXX and XXXX deleted and are not reporting this XXXX XXXX account, yet TransUnion continues to report it, making my credit report inconsistent and inaccurate across bureaus. Despite my disputes, TransUnion has not provided proper verification from XXXX XXXX, nor have they corrected the errors. 

XXXX. Timeline of My Attempts to Resolve the Issue First Dispute Submitted I sent a formal dispute to TransUnion requesting verification of the XXXX XXXXXXXX charge-off due to multiple reporting errors. 
TransUnion failed to provide verification and kept the inaccurate data on my credit file. 
Second Dispute Submitted : XX/XX/XXXX I disputed again, highlighting the FCRA violations and inconsistencies across bureaus. 
XXXX and XXXX do not report this account, yet TransUnion refuses to remove it. 
Current Status : TransUnion continues to report inaccurate charge-off details, violating FCRA compliance .

2. Inaccurate & Inconsistent Reporting Issues A. Charge-Off Only Appears on TransUnion FCRA 1681e ( b ) Violation This XXXX XXXX  charge-off does not exist on my XXXX or XXXX reports, yet TransUnion continues to report it.

Under FCRA 1681e ( b ), credit reporting agencies must ensure maximum accuracy and maintain consistent reporting across all bureaus. 
If this account were legitimately verified, it should appear on all three reports. 
B. Mathematically Impossible Credit Utilization FCRA 1681c ( a ) ( 5 ) Violation My credit limit was {$300.00}, yet the reported balance was {$480.00}, resulting in a 161 % credit utilization.

Credit utilization can not exceed 100 % without specific over-limit penalties, which were never reported separately.

This is a factual inaccuracy and must be removed under FCRA 1681c ( a ) ( 5 ).

C. Charge-Off Date is Incorrect FCRA 1681s-2 ( a ) ( 1 ) ( A ) Violation My last payment was XX/XX/XXXX, yet the charge-off was updated in XX/XX/XXXX, violating the 180-day charge-off reporting rule.

Under FCRA 1681c ( a ) ( 4 ), a charge-off must be reported within 180 days of delinquency.

The inconsistent dates indicate improper reporting, requiring correction or deletion.

D. No Payment History Yet Marked Charged-Off FCRA 1681i ( a ) ( 5 ) ( A ) Violation TransUnion is reporting a charge-off without providing a payment history. 
If there is no record of late payments, the charge-off is unverified and should not exist.

FCRA 1681i ( a ) ( 5 ) ( A ) requires removal of any unverifiable information.

E. Balance & Highest Balance Discrepancy FCRA 1681s-2 ( b ) Violation The highest balance was {$490.00}, yet the charge-off balance is {$480.00}, despite no payments being made post-charge-off.

Charge-off balances should remain static unless paid or transferred to collections.

F. Previous Dispute Resolved Incorrectly FCRA 1681i ( a ) ( 1 ) ( A ) Violation My report states : Dispute resolved, reported by grantor.

Despite this, factual errors remain, indicating XXXX XXXX did not properly verify the dispute. 
FCRXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXureaus to conduct proper reinvestigations, which TransUnion failed to do.