Consumer complaint received 2019-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed this creditor XXXX XXXX on numerous occassions and baffled as to why this company has not deleted this inaccurate information. XXXX is reporting incorrect data to XXXX  and Transunion. XXXX is reporting as if the accounts are new accounts. I have been disputing this for several months now because this company is reaging to keep on my credit reports. I had to research the company, as I was clueless to who this organization is. They are reporting numerous XXXX XXXX accounts on my XXXX  and Transunion credit reports as if they are recent accounts. I received an alert and it showed these accounts reporting opening dates as XX/XX/XXXX. I had my loans with several lenders, not XXXX, which at this point the accounts are all obsolete. I never had any loans opened in XX/XX/XXXX which is what XXXX is reporting. When I attended school, it was in XXXX or XXXX and I finished in XXXX. So, I have been out of school exceeding 10 years. Then, when I completed school, I assisted in taking care of my father and my only sibling who both unfortunately loss their battle to XXXX, so I was not working or paying my loans. Then I became XXXX and still am, so I am not employed and have not been since completing school. 

XXXX knows reaging is against the law. Re-Aging a delinquent account is a serious violation of the FCRA. Once the original creditor reports the FCRA Compliance Date to the credit reporting agencies, it is set in stone. This date can not be changed or updated under any circumstance. 

The time clock on the date the account FIRST went delinquent can not change no matter how many times a charged-off debt is purchased, transferred or sold to collection agency. Basically, the purge from date NEVER changes. The charged-off account can bounce from collection agency to collection agency but according to the FCRA, the debt can only be reported for 7.5 years from the date of first delinquency ( DOFD ). 

I am asking XXXX to research their records because the original crediors date is not the one in which XXXX is reporting, nor are they are reporting correct payment history as it it will show no payment history for the original creditor. All of these factors will support that the creditor XXXX  should not be reporting any accounts that are obsolete as well as reaged on my credit reports. I have attached a copy of my XXXX  credit report. I have attached Transunion 's report. I have attached a complaint and response from the XXXX in regards to XXXX and this was their response to a complaint by XXXX XXXX XXXX XXXX********, Thank you for sharing your concerns regarding XXXX  XXXX XXXX ( XXXX ) credit reporting. Although we are unable to disclose account-specific information in the XXXX XXXX XXXX public forum, we appreciate the opportunity to respond to your Customer Review. Ascendium assumed ownership of your loans from XXXX XXXX XXXX XXXX , XXXX ( XXXX ), and is now the furnisher of data to the Consumer Credit Reporting Agencies using the Ascendium trade line. It is important to note that the same information previously reported under the XXXX trade line ( i.e : open and delinquency dates ) is the information being reported, just under the XXXX trade line. Should you have any additional questions regarding your account, please contact us by telephone at XXXX ( please note that some calls may be monitored or recorded for quality assurance purposes ), or by email at *********XXXX Sincerely, XXXX XXXX********* Associate Ombudsman XXXX. 

According to what XXXX stated in their response to the complaint to XXXX XXXX, they should not be reporting this inaccurate ( reaged/obsolete ) information on my credit reports. According to the law, I can sue XXXX for reaging ( reporting false information ) to keep on my credit reports. I am asking for them to immediately delete so this matter does not have to escalate to legal ramifications.

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