Consumer complaint received 2016-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Submitted online dispute with TransUnion several times, most recently in XXXX and XXXX XXXX for XXXX XXXX XXXX tradeline to be deleted as it meets criteria for removal due to 7 year limitation from DOFD. Outcome : Remains on credit file due to data furnisher XXXX XXXX XXXX XXXX reporting inaccurate delinquency data. TransUnion reports the data furnisher XXXX XXXX XXXX XXXX claims this account only recently went into derogatory status as of XXXX XXXX. Additionally, XXXX is re-aging each month with a new derogatory status date. XXXX XXXX Bank is deliberately re-aging a Line Of Credit ( LOC ) account on credit file by falsely reporting to the CRAs. XXXX XXXX has removed the account history from credit file and continues to provide false data for DOFD to the CRAs by knowingly and falsely reporting this account recently went into a derogatory status as of XXXX XXXX which completely contradicts the documentation provided from XXXX XXXX ( attached ). This account was included in Chapter XXXX Bankruptcy in XXXX of XXXX however, the DOFD is XXXX XXXX and therefore this TL should be removed as it has been 7 years since DOFD. I 'm not disputing the Public Record of the Chapter XXXX BK, I understand that will remain on credit file for 10 years, I 'm disputing the XXXX XXXX XXXX TL only. This account was included in Chapter XXXX Bankruptcy 4 years after DOFD, discharged in XXXX XXXX yet XXXX XXXX placed charges/adjustments on this account AFTER they were informed of Chapter XXXX filing ( XXXX XXXX and XXXX XXXX respectively ). This illustrates a pattern by XXXX XXXX of deliberately violating the FCRA and shall be sufficient to compel removal of this tradeline from credit file. This complaint shall serve as official record noting that the data furnisher ( XXXX XXXX XXXX is providing inaccurate data to CRAs, per TransUnion, XXXX XXXX validated in XXXX XXXX that the account DOFD is XXXX XXXX which is false ( official XXXX XXXX Account History Report and XXXX official XXXX XXXX letters dating back to XXXX are attached ). 

Despite substantial documentation which supports my dispute, that this account went into derogatory status in XXXX XXXX, closed in XXXX and never brought current, XXXX XXXX continues to update the status of this delinquency monthly on TransUnion, XXXX and XXXX credit files by re-aging the " last reported '' date of derogatory status, including comments on the tradeline that this account is " Included in Chapter XXXX Bankruptcy as of & lt ; current month, current year & gt ; ''. This in turn pushes out the " date of removal '' for the CRAs to 7 years from each update which has been occurring monthly since I filed disputes with TransUnion. This pattern of negative reporting behavior by XXXX XXXX appears to be intended to illegally attempt to collect on a discharged debt and retaliate against this consumer for disputing this information. The DOFD for this account is XXXX, XXXX, not XXXX or XXXX per attached full account history as provided by official XXXX XXXX report as well as XXXX official letters from XXXX XXXX regarding this account which date back to XXXX when the account first went into derogatory status. 

Resolution is for TransUnion to remove this tradeline and cease reporting the XXXX XXXX XXXX tradeline on credit file. This official complaint with documentation shall serve as record that this documentation has been sent to TransUnion and XXXX XXXX therefore if TransUnion and XXXX XXXX continue reporting on credit file it is recorded that they are doing so with the knowledge that the information being reported is inaccurate. 
Regards

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